Pre-Approval Understanding Kit

• Understand pre-qualification vs. pre-approval
  One is informal, the other is document-verified.
• Read the Pre-Approval Basics guide
  Know what to expect before you apply anywhere.

• Recent pay stubs
  Typically the last 30 days.
• Two years of tax returns or W-2s
  Especially important if you're self-employed.
• Recent bank and investment statements
  Lenders usually want the last two months.
• A list of your current debts
  Auto loans, student loans, credit cards, and minimum payments.

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• Read What Actually Happens During Underwriting
  So a follow-up document request doesn't feel alarming.
• Avoid big purchases or new credit for now
  Keep your financial picture stable and boring until closing.

Complete the section above — or visit its linked guide — to fully unlock this one. It stays visible and checkable either way.