In today’s market, it is important to take the first step in the home purchase process. Obtaining your mortgage loan pre-approved or pre-qualification lets you know how much of a home you can afford. Buyers with their approval are treated as serious buyers. Contact Matt Dorsey or Daniel Schneider at Starkey Mortgage or a lender of your choice.

Get Pre-Approved

Documentation needed for all loans

  • Pay stubs for most recent 30 days
  • Information on any other income you wish to have considered, such as part-time income, rental income, etc.
  • W-2’s and Tax returns for the past two years
  • Name, address and phone number of landlord for the past 24 months if you have been renting
  • Previous two months bank account statements (all pages) i.e. … checking, savings, CD’s, brokerage, mutual funds, etc.
  • Most recent statements on asset bearing accounts if generated yearly or quarterly (401K, IRA, etc.)
  • Copy of social security card and driver’s license

If you are self-employed, receive commission income, or own investment properties

  • Previous two years signed tax returns with all schedules attached
  • Previous two years corporate/partnership tax returns
  • Year-to-date profit and loss statement (self-employed only)
  • Current leases on investment properties with rental income

If applying for a VA loan

  • VA Certificate of Eligibility
  • Form DD-214
  • For in-service veterans, Statement of Service and recent Leave and Earnings Statement
  • Name and address of child care provider (if applicable)

If you have been divorced

  • Complete signed copy of all divorce decrees
  • Proof of receipt of child support payments for the last 12 months

If you have declared bankruptcy in the last 7 years

  • Copy of Petition/Decree, Schedule of Creditors, and copy of Discharge

If you are relocating with company benefits

  • Copy of company’s relocation policy
  • Letter from employer stating effective date of transfer and new income
  • Copy of entire relocation buyout offer (if applicable)

Additional items if you are refinancing

  • Additional items if you are refinancing
  • Copy of your survey
  • Hud-1 Settlement Statement from purchase of the home
  • Most recent mortgage statement on your primary loan (and 2nd lien if applicable)