If you are thinking about purchasing a home, your first step in the process is getting pre-approved. Pre-approval will help you understand how much house you can afford and will differentiate yourself from other home buyers when it comes time to place an offer on the house you want to make home.

To get pre-approved, you must supply your lender with financial documentation and information regarding your income, assets, and credit. Below is a list of items that you will need:

W2 Employee:

  • 1 month of paystubs showing YTD income
  • Last 2 years of w2’s
  • Last 2 years of tax returns
  • Contact info of employer

Self Employed:

  • Last 2 years of tax returns
  • Last 2 years of business tax returns
  • Letter from CPA to verify self-employment


  • Most recent awards letter(s) from Social Security, pension, or annuity

Asset Documentation

  • Letter of Explanation for any deposits greater than 20% of monthly income

Miscellaneous Documentation:

  • Copy of Driver’s license
  • Contact info for homeowner’s insurance agent
  • Copy of mortgage statements for other properties owned

Once your loan officer has your pre-approval application, and documentation, they can review and issue a pre-approval letter. Download the DML App to complete your pre-approval application securely and conveniently.