Getting pre-approved for a mortgage will use your credit score — specifically your mortgage credit score, but other factors beyond your mortgage credit score are considered: Income Debt-to-income ratio Student loan debt Assets Employment history / length of time in current job Amount of your down payment — which, if any of the above raise concerns, a higher down payment can help.

Assets & Down Payment Documentation

Document every asset you have - this can help you approval odds, rate, amount approved for, and loan type approved for. Below are the top items and common ones people miss: Checking Account Statements (Current) Savings Account 401K & Pension Statements Stocks & Bonds (Share, Acorns/Robinhood - any stock or bond asset you own Crypto Assets Other property owned 401K & Pension Statements

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We can't wait to start getting you ready to buy your Pittsburgh home and start writing offers. Below is a list of items you'll need for your mortgage loan application - but if you're missing some that's okay. You can start now and send what you're missing later.

If you are self-employed (earning income on 1099s or income is self-filed) you will need two years of earnings. Some lenders or loan types may accept 1 year but this is rare. Examples include gig workers, real estate agents, freelancers, owning your own business where you are not paid a W2 salary through a corporation.

W’s
1099’s
401K & Pension Statements
Tax returns if missing 1099s or for self-employed
Profit & Loss statement may be needed if you own your own business and are applying for financing under your business entity

If you’re missing documentation for your mortgage loan application, here are some tips for get them.

Call your former employer’s HR - or see if you still have access to an employee portal where you can download them.

If you filed through Turbo Tax or H&R block, search your email - you may have copies there or depending on the plan you used, may be able to log in and download tax returns there.

If a prior employer is no longer in business, you may be able to use TheWorkNumber.com if they participated to retrieve historical earnings - also useful if you cannot access past W2s as some employers will report your earning to TheWorkNumber and its free to download and retrieve your own information.

The majority of employers also use TheWorkNumber.com for employment and income verification for loans - but your direct supervisor can often do this as well.

Getting pre-approved for a mortgage will use your credit score —
specifically your mortgage credit score, but other factors beyond your
mortgage credit score are considered:

Income
Debt-to-income ratio
Student loan debt
Assets
Employment history / length of time in current job
Amount of your down payment — which, if any of the above raise concerns,
a higher down payment can help.

Document every asset you have - this can help you approval odds, rate, amount approved for, and loan type approved for. Below are the top items and common ones people miss:

Checking Account Statements (Current)
Savings Account
401K & Pension Statements
Stocks & Bonds (Share, Acorns/Robinhood - any stock or bond asset you own
Crypto Assets
Other property owned
401K & Pension Statements

Supplemental documents such as court orders for child support, alimony, divorce decrees, etc will be needed or gift letters if someone is gifting you money to use towards your down payment. (usually FHA loan).

If you submit all the required documentation up front, you can have your approval letter within an hour or sooner during business hours.

With your consent, we'll share your approval letter and loan details with your agent. When you work with a Real Agent - we're integrated meaning everyone is on the same page which keeps your home purchase moving quickly without issues or dropped balls.

If you also use One Real Title, we can even have you closing in as fast as 17 days if there are no municipality requirements that cause delays - and your agent, loan officer, and closing officer will collaborate and keep you moving.