Mike Pierce
Team Lead & Mortgage Loan Originator
Your path to pre-approval.
Follow these three steps in order for the fastest possible turnaround. Kaylie manages the day-to-day mortgage process and will be your primary point of contact. Mike is the licensed mortgage loan originator for this application, with Kaylie and Whitney supporting the loan process as loan officer assistants.
Your mortgage team
Kaylie is your primary contact and manages the day-to-day mortgage process. Mike is the licensed loan officer for this application, and Whitney also supports the loan file as a loan officer assistant.
Mike Pierce
Whitney Shepherd
01
Credit
Order your credit report.
Complete the credit authorization and payment first. You will also receive a personal copy of your report.
Do this before starting the application. Once the report is ordered, move on to Step Two and complete the secure loan application.
Credit report fee
$130
Paid through the secure credit-report link. This is separate from the mortgage application.
Remove any credit freezes first
If one or more bureaus are frozen, unfreeze them before ordering to prevent delays.
Include your co-borrower
Anyone who will be on the loan should be included in the same credit-report order. If a co-borrower is added later, an additional full credit-report charge will apply.
Phone number tip + prescreen opt out
To help reduce trigger calls, you may visit OptOutPrescreen.com before your credit is pulled. If you prefer, many borrowers also use 555-555-5555 on the separate credit-report form. It may still take time and may not stop every solicitation. Use your real phone number on the actual loan application in Step Two.
02
Application
Complete the secure online application.
Use the button to open the application in a separate secure window. Nothing is entered or submitted directly on this page.
Use your real phone number and accurate information on the application. If you used 555-555-5555 for the separate credit-report order in Step One, do not repeat that on the actual loan application.
03
Documents
Upload the documents that apply to your situation.
A pre-approval letter cannot be issued until the required supporting documents have been reviewed. Upload clear, complete PDF files whenever possible.
Portal access: After submitting the application in Step Two, you will automatically receive an email invitation to your secure borrower portal.
What should you upload? More than one section below may apply to your situation. Please upload everything that applies to you.
W-2 Employee
- All paystubs received during the most recent 30 days, showing year-to-date earnings
- Most recent 2 full monthly bank statements for down payment and closing costs — include all numbered pages, even blank pages. *Screenshots from your banking app or transaction overview will not count as a bank statement.*
- Most recent two years of W-2s
- Driver's license and Social Security card
- If you receive overtime, bonus, commission, tips, shift differential, seasonal income, or income from a second job, upload the prior two year-end paystubs if available. Additional income documentation may be requested.
1099 Contractor or Self-Employed
- Most recent two years of personal federal tax returns, including all pages and schedules
- Most recent two years of business federal tax returns if the business files a separate return
- Most recent two years of 1099s, if applicable
- Most recent two full monthly personal bank statements for funds being used toward the transaction. *Screenshots from your banking app or transaction overview will not count as a bank statement.*
- Business bank statements if business funds will be used. Even if you are not using funds from a business account, these may still be required depending on the selected loan program.
Retirement, Pension, Social Security or Disability Income
- Most recent award letter, benefit statement, or statement from the organization providing the income. Deposits must match the award letter or benefit statement.
- Most recent SSA-1099, 1099-R or similar tax statement, if applicable
- Additional documentation showing receipt or expected continuance may be requested
Other Income You Want Considered
- Provide the agreement, award letter, court order, lease, trust statement or other document that explains the income
- Proof of recent receipt may be requested
- You are not required to disclose alimony, child support, or separate-maintenance income unless you want it considered for qualification
Refinance
- Most recent statement for every mortgage, HELOC or other lien against the property
- Current homeowners insurance declaration page
- Most recent HOA statement or bill, if applicable
Second Homes, Investment Properties or Keeping Your Current Primary
- Most recent mortgage statement for every property
- Homeowners insurance declaration page for every property
- Most recent HOA bill for every property, if applicable
Starting a New Job
- Fully executed offer letter or employment contract showing employer name, position, start date and pay structure
- If the offer is subject to conditions, provide any documentation showing those conditions have been satisfied, if available
- If you have already started, most recent paystub(s) may also be requested
- Additional employer verification may be required depending on the selected loan program and whether the job begins before or after closing
Military, PCS, Fort Novosel / Flight School or Temporary Duty (even if you are not using a VA loan)
- Current Leave and Earnings Statement and statement of service, if applicable
- Orders or training documentation showing your assignment location and expected length of stay
- If you are temporarily assigned here and expect to return to your current employer afterward, provide written confirmation from that employer stating that you are expected to return to work after the assignment ends
- That confirmation should include your expected return date, position, and expected pay upon return
- Additional housing, employment or continuance documentation may be requested depending on the selected loan program
VA Loan
- Veterans: DD Form 214 showing character of service and reason for separation
- Active-duty servicemembers: current Leave and Earnings Statement and statement of service
- National Guard or Reserve members: retirement points statement or applicable service records
- Orders, upcoming separation documentation or other military records may be requested when applicable
- Our mortgage team can request your Certificate of Eligibility on your behalf
Pre-approval notice: A pre-approval is based on the information and documentation provided. It is not a commitment to lend or a guarantee of final loan approval. Final approval is subject to verification, underwriting, an acceptable property, appraisal, title review and all applicable loan-program requirements. Additional documentation may be requested.
Questions before you begin?
Contact Kaylie with questions.
Kaylie manages the mortgage process and can help you determine which documents apply to your situation before you upload anything.