01
Credit
Order Your Credit Report
The first step in the Pre-Approval process is to complete a credit pull. This will cost $130. Click the button below to authorize and submit payment — you’ll also receive a personal copy of your credit report.
Frozen Credit Bureaus If any of your bureaus are currently frozen, remove the freeze before pulling credit or your application will be delayed.
Adding a Co-Borrower? If you are going to have a co-borrower on the loan, make sure to include them in the credit pull as well.
Phone Number Tip If you provide your real phone number, expect frequent calls from creditors. To avoid nonstop calls, enter 555-555-5555 on the credit form — use your real number on the application in Step 2.
02
Apply
Complete Your Online Application
The next step is to fill out the online application. Click the button below to get started.
Use Your Real Phone Number Here Please input your correct phone number in the application — this is how we’ll reach you throughout the process.
03
Docs
Upload Your Documents
Once the application has been completed, upload the following documents into the portal to ensure a timely response. A Pre-Approval letter cannot be issued without all documents being uploaded. Please upload in PDF format.
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How do I access the portal? Once you submit your application in Step 2, you’ll automatically receive an email invitation to your secure borrower portal — no separate sign-up needed.
W-2 Employee
- Last 30 days of pay stubs (3 stubs if paid bi-weekly · 5 stubs if paid weekly)
- Last 2 months of bank statements for the account used for down payment & closing costs — all pages required, even blank ones
- Last 2 years of W-2s
- Copy of Driver’s License and Social Security Card
- Commission or large bonus income: also include your prior year-end pay stubs
1099 / Self-Employed
- Last 2 years of tax returns — business and personal
- Last 3 months of business bank statements
- Last 2 months of bank statements for the account used for down payment & closing costs
Retirement · Pension · Social Security · Disability · Other Income
- Award Letter OR 2 months of statements showing the amount being paid to you monthly
Refinance
- Most recent mortgage statement
- Homeowners Insurance Declaration Page
- Most recent HOA bill (if applicable)
Second Homes · Investment Properties · Keeping Current Primary
- Most recent mortgage statement for all properties
- Homeowners Insurance Declaration Page for all properties
- Most recent HOA bill for all properties (if applicable)
VA Loan
- Gather your discharge or DD214 paperwork (if applicable)
- Apply for your Certificate of Eligibility (COE) via VA.gov