How do I obtain a Pre-Approval letter?

Typically, agents will not accept an offer without a pre-approval letter. Most lenders can pre-qualify you for a mortgage over the phone. Based on general questions about your income, debt, assets, and credit history, lenders can estimate how much of a mortgage you are eligible to obtain.

Required Finance Documents:

  • Two (2) most recent pay check stubs
  • W-2 for the last two years
  • If self-employed need tax returns for last two years (all pages) and profit and loss statement for the current year
  • Last three month bank statements for both checking and saving bank accounts (copies of all pages)
  • Most recent statement of 401-K, 403B, IRA or other retirement plans
  • Copy of sales contract including all addendum
  • Copy of Earnest Money Deposit check (front and back)
  • Listing and selling agent telephone and fax numbers
  • Closing attorney or title company who will handle the closing for both parties (buyers and sellers)
  • Copy of lease agreement on rental properties (if applicable)

If you are in need of a lender, fill out a form to the right to be pre-approved and have a mortgage broker contact you.

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Servicing the Greater Los Angeles area

CAL BRE 01804999
Ekaterina Oganesova
Fair Realty

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