These are the items that I would need to prequalify you for your home loan.
If there will be anyone else on the loan, I will need the same items from them:

1. One month pay stubs on all jobs (concurrent and most current), for all borrowers on the loan.

2. If you have changed jobs this year, I need the last pay check from the job you left.

3. 2007, 2008 and 2009 W-2’s or 1099’s (these are the tax forms you receive at the end of the year from your employer).

4. 2007 and 2008 1040’s (IRS tax returns, all pages) and 2009 (if you have filed 2009 1040’s, all pages). These are the forms you send to the IRS by April 15th.

5. Two months most recent bank statements on all checking and savings accounts (all pages). Please look at the deposits. We need to source all deposits that did not clearly come from income (ie: if you received a refund check for $200.00 and deposited it, we need a copy of the refund check). All deposits must be sourced.

6. Please look at the ending date of the most current bank statement for each account. Go online and print a statement form that date to present, so we have the all the activity on your bank accounts. Be sure to look at the deposits and follow the same as instructed in item 5 above.

7. One month statement(s) on any other asset accounts such as retirement accounts, 401k, STRS, PERS, Stock, etc. (all pages)

8. Drivers License and Social Security card.

9. Please sign the upfront forms that were sent to you.


Please continue to save all pay stubs and bank statements until we are in escrow, as I will need all current information.

When you have all the necessary paperwork, you can either email it to me or fax it to 951-329-5144.

Click here to see the DOs and DON'Ts during the loan process.