Get a Pre-Approval
Save time and know what you can afford
The Importance of Pre-Approval in Home Shopping
Obtaining a mortgage pre-approval before house hunting is crucial. It not only defines your budget, making your search more efficient, but also enhances your credibility with sellers. This step speeds up the mortgage process and allows you to address financial issues beforehand, simplifying your journey to homeownership.
Minimum documents you need for a pre-approval
2 years W2s / 1099s
2 most recent years W2s and/or 1099s (as applicable)
2 years Tax Returns
2 most current years personal tax returns
Delayed financing - OK
2 most recent months asset statements
Assets to provide proof of funds. Additional reserves show strength.
Assets may include:
Checking account
Savings account
401k
IRA
Stocks
Money Market Accounts
Cash Management Accounts
Certificate of Deposit (CDs)
Treasury Bills
Mutual Funds
Government and Corporate Bonds
Brokerage Accounts
Exchange-Traded Funds (ETFs)
Cryptocurrency
1 months paystub
If you are paid weekly = 4x paystubs
If you are paid every other week = 2x paystubs
If you are paid monthly = 1x paystubs
Copy of valid identification
Driver License
State ID Card
US Passport
US Passport Card
Military ID
Permanent Resident Card (Green Card)
Employment Authorized Document (EAD)
Application
An application will be required to provide proof of employment history, income, and residence.
You will be able to upload all the documents in the same application link.
Click on the link below to start!
Additional Documents if:
You Own Property
Most current mortgage statement for all properties
Copy of homeowners insurance
If property is paid off, documentation stating that the lien or trust deed on your property has been released
Are a Business Owner
YTD P&L statement (preferably certified by CPA)
2 years business tax returns
2 months business bank statement
You Are Divorced
We may need your divorce decree.
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Equal Housing Opportunity © 2024 Apache Mortgage Inc, 14098 Edwards St, Westminster, CA 92683, 949-298-2980. NMLS ID # 2454357 DRE # 02209550 & 02031005. For licensing information go to www.nmlsconsumeraccess.org. Trade/service marks are the property of Apache Mortgage Inc and/or its subsidiaries or affiliates. Information is intended solely for mortgage bankers, mortgage brokers, and financial institutions. For more information, review Apache Mortgage Inc's state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of Apache Mortgage Inc, Mortgage Broker. All loan programs are subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. [05-2024]
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