Applications & Processing

Once you’re under contract, your lender will get to work finalizing your loan. This part of the process is called underwriting, and it’s where all of your financial information gets reviewed and verified behind the scenes. It’s normal for questions or requests to come up—so staying responsive is key to keeping everything on schedule.

What You’ll Need

To keep things moving smoothly, be prepared to submit:

• W-2s or full tax returns from the last 2 years
• Recent pay stubs
• Bank, retirement, and investment account statements
• Credit card, auto, and loan statements
• Government-issued ID
• Proof of any additional income (rental income, alimony, child support, etc.)

Stay in Touch

Your lender’s underwriter may request updates or clarifications as they review your file. Responding quickly will help avoid delays and prevent last-minute stress. If something doesn’t make sense, just ask—we’re here to walk you through every step and make sure nothing slips through the cracks.