Simple steps, executed like a pro
Most problems happen when expectations are unclear and paperwork is reactive. Our approach is proactive: we set a roadmap, gather what's needed early, and communicate relentlessly to keep the deal moving.
What to have ready
You don't need all of this on day one — but gathering it early is the single biggest thing you can do to speed up your closing.
Income
- Last 2 pay stubs
- W-2s or 1099s, last 2 years
- Tax returns if self-employed
- Business P&L where applicable
Assets
- Bank statements, last 2 months
- Retirement & brokerage statements
- Gift letter if funds are gifted
- Proof of earnest money
Identity & property
- Government-issued photo ID
- Social Security number
- Purchase agreement once signed
- Homeowners insurance quote
Exact requirements vary by loan program and borrower profile — we'll send you a tailored list after your consult.
Why this works
Fewer last-minute surprises
We front-load the questions underwriting is going to ask instead of discovering them at day 25.
Cleaner underwriting
A file that arrives complete moves faster than one that arrives in pieces.
Stronger agent relationships
Your agent hears from us, so nobody is chasing status updates the week of closing.
You always know the next step
The plan, the numbers, and what happens tomorrow — never a mystery.
Ready to get pre-approved today?
Get a clear payment estimate, a fast pre-approval, and expert guidance from application to closing.