3 Simple Steps to Pre-Approval W2 Wage Earner

FOR BORROWERS WHO ARE EMPLOYED EARNING WAGES VIA PAYCHECK / W2

Here is what I need in order to work on a mortgage pre-approval, so you can confidently work with your
Real Estate Agent to search for a home, and be ready to make an offer. These simple 3 steps!

1. Application

Completed online Questionnaire

(Takes roughly 10-15 minutes)

Apply Now

2. Upload Documents

Please upload the front and back side of your driver’s license.
This field is required.
Upload all W2s for 2024 from all employers.
This field is required.
Upload all W2s for 2025 from all employers.
This field is required.
Upload the 2 most recent payroll stubs from current employers.
This field is required.
Upload bank/asset statements for the last 2 months showing available liquid cash funds.
This field is required.
Any addtional documentation that you feel is needed.
This field is required.

3. FOR CREDIT PULL & REVIEW

To proceed with your loan application, we require a copy of your tri-bureau credit report.

In the past, lenders like us would pull credit reports and collect back reimbursement of the associated fees at closing. However, recent guidance and numerous consumer complaints tracked by the Consumer Financial Protection Bureau (CFPB) regarding these practices have led to updated compliance standards across the industry.

You can read more about it here.    https://www.consumerfinance.gov/complaint/

As a result of these regulatory changes, all clients are now required to personally authorize and order
their own credit pulls for our review. This ensures transparency and puts you in direct control of your
consumer financial data.

Please use the link to authorize and order your report:

Authorize

Thank You

Thank you for your understanding and cooperation as we adhere to these important consumer
protection guidelines. We are committed to a transparent and compliant process for all our clients.

If you have any further questions, please do not hesitate to reach out to me. Otherwise, Once I receive
the items listed above, I will work on this for you immediately.