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What papers do I need to get pre-approved for a mortgage?

Usually your ID, your last month of pay stubs, your W-2s from the last two years, and your last two months of bank statements.

Find my homeAnswered by Nick GutheryUpdated October 26, 2026

If you work for yourself, the lender will want two years of tax returns too.

If you get child support, Social Security, disability or VA pay, bring the letter that shows it. Veterans also need their DD-214 or the lender can look up their eligibility.

More questions

  • Is my Credit Karma score the score a mortgage lender sees?Usually not. Credit apps show a different kind of score than the ones mortgage lenders use, so the numbers often do not match.Read the answer
  • Will getting pre-approved hurt my credit?A pre-approval pulls your credit, and that can move your score a few points for a short time. Shopping for a mortgage within a short window usually counts as one pull, not many.Read the answer
  • Can I buy a new home with bad credit?Often, yes. We can start from as low as 580, and if your score needs a boost, we can help with that for free.Read the answer
  • How long do I need to be at my job to buy a house?Lenders like to see about two years of steady work. That does not have to be one job: a new job in the same line of work usually counts.Read the answer

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