Loan Prep Checklist

Get organized for your mortgage application with these comprehensive checklists. Having all documents ready before you apply can speed up the process and improve your chances of approval.

Available Checklists

Pre-Approval Documents Checklist

This comprehensive PDF checklist covers all the documentation you'll need for your mortgage pre-approval, including:

• Income Documentation: Pay stubs, W-2 forms, tax returns, bank statements, and investment account statements
• Employment Verification: Employment letters, business licenses, and profit/loss statements for self-employed borrowers
• Asset Documentation: Bank accounts, investment accounts, retirement accounts, and real estate documentation
• Debt Documentation: Credit card statements, loan statements, and mortgage statements
• Credit and Identity: Credit reports, driver's license, Social Security card, and other identification documents
• Property Information: Property details, insurance information, and Washington State specific requirements

Download Pre-Approval Documents Checklist

Down Payment and Funds Checklist

This detailed PDF checklist helps you organize all documentation related to your down payment and closing costs, including:

• Down Payment Sources: Savings accounts, investment accounts, and gift money documentation
• Gift Money Requirements: Gift letters, donor documentation, and transfer verification
• Closing Cost Funds: Appraisal fees, inspection fees, title insurance, and escrow fees
• Washington State Specific: Local requirements and state-specific documentation needs

Download Down Payment and Funds Checklist

How to Use These Checklists

1. Download both PDFs to your computer or mobile device
2. Print them out for easy reference during document gathering
3. Check off items as you collect each document
4. Keep copies of everything you submit to your lender
5. Stay organized by creating folders for each category of documents

Important Tips

• Start early: Begin gathering documents as soon as you decide to buy a home
• Keep everything current: Most documents should be no older than 60 days
• Make copies: Keep digital and physical copies of all submitted documents
• Respond quickly: Respond to lender requests within 24-48 hours
• Stay in touch: Communicate regularly with your lender and real estate agent

These checklists are general guides. Your lender may require additional documentation based on your specific situation.