Documents You’ll Need to Get Approved for a Mortgage

Over my 20+ years guiding families into homeownership, I’ve seen how being prepared makes all the difference—especially for first-time buyers. If you’re getting ready to apply for a mortgage, here’s what lenders typically look for: proof of steady employment and income, a record of your work history, recent pay stubs, tax forms, valid ID, your address history, bank statements, and details about your credit and any debts. If you have down payment help from a loved one, a gift letter will also be needed. My focus has always been on making this process as smooth as possible, so you can move from pre-approval to keys in hand with confidence.