WHEN SHOULD YOU GET PRE-APPROVED?

A serious home buyer should always start the process with their lender, not at an open house. Unlike a pre-qualiﬁcation, a pre-approval with Noffke Mortgage powered by Cornerstone First Mortgage, LLC ensures that your ﬁle is ready for underwriting before you put an oﬀer down.

Obtaining a pre-approval with us BEFORE you ﬁnd a home is imperative because we will determine the maximum amount of money you can borrow and ﬁnd the right loan program that best suits your needs. In today’s competitive real estate market, it is essential to include a property-speciﬁc pre-approval letter to strengthen your oﬀer and prove that you can obtain ﬁnancing! Start the process with one of our licensed ﬁnancial professionals today and have the conﬁdence to ﬁnd your dream home!

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PRE-APPROVAL DOCUMENTS

Below you will ﬁnd the basic list of documents we will request for pre-approval! Additional documents may be required for your speciﬁc loan scenario. Our new user-friendly online system will custom tailor the documentation we need from you based on your answers on our online application. We suggest that you begin gathering the following documents to make this process as smooth and easy as possible!

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Income

Two Most Recent Tax Returns
(All Pages)
Two Most Recent W2’s
Paystubs, Most Recent 30-days
Two Most Recent Years
Corporate Tax Returns & KI’s (self-employed only)
Pension Statement
SS Income

SOURCE OF DOWN PAYMENT

If you own any Property:

Most Recent Mortgage Statement(s)
Insurance Declarations Page(s)
HO Statement(s)

IDENTIFICATION & MISC

Copy of your Driver’s License Or equivalent proof of identity (e.g., passport)
Miscellaneous
- DD214 (If Applicable VA)
- LES Statement (VA Only)
- AMEX Statement (If Applicable)
DIVORCE Documentation
- Divorce Decree
- Alimony/Child support Obligation