Your Arizona Mortgage Pre-Approval Checklist

What to gather before we talk numbers

A documented pre-approval is more than a guess. It's your identity, income, savings, and credit, all matching your story. That's why sellers take it seriously. My Arizona Home Loan Quick Start list is short on purpose, and some situations add a few items:

• Self-employed? You may need more years of tax returns, K-1s (a tax form for business owners), or a bank-statement loan. self-employed loans
• Buying a condo? The lender will review documents from the HOA.
• Veteran? We'll talk about your Certificate of Eligibility. for veterans
• First-time buyer? Gift letters and the timing of your earnest money (the deposit that goes with your offer) matter as much as your pay stub. first-time home buyer
• Not sure which loan program fits? Start with the loan types page. loan types

A few tips that save time:

• Send clear scans or portal uploads, not screenshots of screenshots.
• The name on your documents should match your ID. If your paycheck uses a nickname, tell me early.
• If a large deposit is a gift, let's talk about the gift letter before the money lands. After it lands, we'll still need to explain where it came from.

Your checklist, item by item

• Photo ID. A government-issued ID. Two last names or a recent marriage? Bring what your Social Security record and your bank actually use.
• Recent pay stubs. Your most recent pay period, complete and readable, so your current pay is clear.
• W-2s or 1099s. W-2 employees and 1099 contractors show income differently. Bring the tax forms you file with the IRS.
• Bank statements. For the accounts that will cover your earnest money, down payment, closing costs, and reserves (savings left over after closing) if your program asks for them.
• Gift details. If a parent or someone else is helping with the down payment, the gift needs paperwork. I'll walk you through the letter and records your program asks for.
• Credit review. With your OK, I check your credit to see your scores and debts the way a lender will. Authorized user cards, student loans, and home equity lines all count, sometimes in ways people forget.
• Tax returns, if needed. Self-employed, commissioned, and rental income usually call for returns, and some programs ask for them too. I'll tell you if that's you.
• Current loan details, if you're refinancing. Your loan servicer, approximate balance, remaining term, and your goal: lower rate, lower payment, cash out, or paying off debt. refinance

Protect your pre-approval. Please text me before you open new credit, move large deposits, or change jobs. Car loans, store credit cards, buy now pay later plans, cash deposits, stock sales, pay changes, and gaps in work are how Arizona closings slip. While the lender is reviewing your loan (called underwriting), none of those are small errands.

A few things to know

This is a planning list, not a pre-approval. Your situation may need a few more items, and I'll tell you which ones. A calculator result is an estimate. payment calculator A pre-approval is a documented package, and Phoenix sellers notice the difference.

A few don'ts while your loan is in process:

• Don't try to fix your credit on your own based on a blog post. Ask me first.
• Don't move cash into your account without a paper trail.
• Don't switch jobs close to closing day, even for an exciting offer, without texting me first.

When your stack is ready, call (602) 448-4470, schedule a call, upload your files to the secure document portal, or start the application. secure document portal · apply Please don't email your Social Security number.

Already have a pre-approval letter from someone else? Bring it for a second opinion. If it's already the better fit, keep it. second opinion

My office is at 3420 E. Shea Blvd, Suite 200, Phoenix, AZ 85028.