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"Mortgage paperwork" is mostly about providing documents that show how much you earn, where you've lived, monthly debts and account balances. You can provide much of this information in person or on your application; however, there are several additional documents you may need to provide depending on where you are in the loan approval process.

Mortgage Prequalification Checklist

Your name (and any other buyers' names)
Current address
Estimated annual household income
Estimated monthly household debt expenses

Mortgage prequalification is an assessment of whether your debt-to-income ratio fits mortgage guidelines and provides an estimate of the amount you may be able to borrow. You can also request a prequalification letter, which you can give to your real estate agent to show you are a serious home buyer. Prequalification is optional, but it's a helpful step in the process of buying a house.


Mortgage Pre-Approval Checklist

Whether you've completed the prequalification process with Palmetto Mortgage Group or not you can apply for pre-approval at any time. Just complete a full mortgage loan application, including the following information.

Residential History

  • Your residential address for the past two years
  • Landlord names and addresses for the last two years, if you rented during that time


Employment & Income History

  • Paycheck stubs from the last 30 days showing your year-to-date earnings
  • W-2 or I-9 tax forms (issued by your employer) for the past two years


Personal Assets

  • Bank account statements from the two most recent months for all checking and savings accounts
  • Other asset statements from the past two months for any CDs, IRAs, stocks, bonds or other securities you intend to use for your down payment
  • Current real estate holdings, including property address, current market value, mortgage lender's name and address, loan account number, balance and monthly payment


Personal Debt
A list of any new monthly debts not listed on your credit report (auto loans, student loans, mortgage loans, credit cards, etc.), including creditor name, address, account number, minimum monthly payment amount and outstanding balance on each account

Additional documents may be required at your mortgage closing. Your real estate agent and mortgage loan originator will let you know which documents will be needed when you close on your new home and they'll work closely with you at each step of the mortgage process.


If you have any questions at all about the loan process or application, contact us today.