Mortgage pre-approval document checklist

Start with a conversation about your purchase plans, budget and income sources. Your loan officer can then tell you which documents apply. A checklist helps you prepare; it is not an approval or a requirement to upload sensitive records into a general inquiry form.

Information to have ready

• Identification and contact information requested by your loan officer.
• Employment and income details, plus recent pay statements and tax forms if requested.
• Account statements for funds you plan to use, with an explanation of gifts or transfers when needed.
• Existing mortgage, rent, debt and property information relevant to your application.
• Your expected down payment, comfortable total housing payment and savings you want to retain.

If you are self-employed

Ask which business and personal records apply before sending a large document package. Separate revenue from the income a lender can use. The self-employed buyer preparation worksheet helps organize that discussion.

Shop the financing as well as the home

Compare the same purchase scenario across lenders. A pre-approval amount is not your personal spending target. Review fees, insurance, taxes and cash remaining after closing alongside the quoted payment.

A lender cannot make supporting documents a condition of issuing a Loan Estimate once the required application information has been provided. Underwriting and approval still require verification. Read the CFPB explanation (checked September 24, 2026).

Download the free printable checklist · Build your homebuying budget · Get a personalized document list

Send financial documents only through the secure channel your loan officer provides.