The documentation needed for home loan Pre-Approval* varies.  Below are samples of what the HOUSE Team typically needs to complete your home loan Pre-Approval.

Standard Documents Needs List

  • Clear copy of applicant’s photo ID
  • Most recent 1 or 2 years federal tax returns/1040 forms if applicable
  • Most recent 2 years W2 forms if applicable
  • Most recent 2 years 1099 forms if applicable 
  • Most recent 2 months asset account statements – all pages
    • additional documents required for retirement accounts
  • Most recent 1 month’s pay-stubs
  • Most recent award letter for retirement/pension/disability income
  • Most recent mortgage payment statement(s)
  • Additional documents as needed

Self-employed Document Needs List

  • Each of the items listed above that apply
  • Most recent 2 years K1’s if applicable
  • Most recent 1 or 2 years federal business tax returns if applicable
  • Additional documents as needed

2 Standard Documents

In order to complete your home loan pre-approval, Arizona Mortgage Lenders obtain the following 2 documents:

  1. IRS 4506-T Form
    Tax transcripts are ordered using IRS 4506-T forms.  Transcripts verify what income information was provided to the IRS.
  2. Borrowers Authorization Form
    borrower’s authorization form allows a mortgage lender to request verify information for a home loan applicant such as employment data.

The HOUSE Team can help you with a free 24 hour full home loan pre-approval.

Team Phone:  602.435.2149
Team Email:

Other Important Pre-approval Info

Mortgage Pre-approval
Why Get Pre-approved?
The Homebuying Process

*A pre-approval is not an approval of credit & does not signify that underwriting requirements have been met.

By Jeremy House

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