Exos Mortgage TM
Complete Preappoval checklist

To prepare for your preapproval, you will need to start gathering the following documents.  Your documents may vary depending on your situation, but this is an excellent start.  Don’t worry, your loan officer will let you know exactly what documents you will need.

W2 Wage Earners

Most bororwers will fall into this category. If your employer gives you a pay stub and takes out taxes each cehck and issue you a W2 at the end of the year.

  • Last two year’s of W2s

  • Last 30 day’s of pay stubs

  • Last 2 month’s of bank statements

  • Drivers License

  • Retirement Account Statement 401K

  • Personal Tax Returns (if you own rental properties)

Veterans

In addition to the standard documents, Veterans will need to provide the following.

  • Certificate of Eligibility (COE) – We will retrieve it for you from VA.
  • DD 214, if applicable
  • Statement of Service
  • VA Disability Award Letter

Self Employed

Self employed borrowers will require additional information to get preapproved. Self Employed includes gig workers who get a 1099, business owners, independent contractors, etc. They also include business owners who own 25% or more of a business. These documents typically include the following:

  • Last 2 years of Tax Returns (business and personal)

  • YTD Profit & Loss Statement

  • Business Entity Documents

  •  Last two years 1099s

Retired/Dissabilty

Retired borrowers typically will not have any pay stubs or W2s to provide. They can expect the following documents:

  • Pension Award Letter

  • Social Security Award Letter

  • 1099 SSA 

Start your Application

We make home buying simple.