US Mortgage Pre-Approval Pack
The document set an underwriter asks for twice if you send it once incomplete. Income, assets, debts, identity. 5 required documents, 3 conditional. The checklist is free to read. Pro matches your files to it and builds the bundle.
Drop the whole folder in
Every PDF you have for this application, in any order, named however your bank and employer named them.
See what matches and what's missing
Each file is read in your browser and placed against a checklist slot. Anything mandatory that's absent is called out before you file.
Build the submission bundle
Files come out in the order the authority reads them, named to match, and checked against the portal's size limit.
What the US Mortgage Pre-Approval Pack actually asks for
In the order Mortgage lenders and brokers works through them. Output format: 01-w2.pdf, 02-pay-stubs.pdf, … one file per underwriting slot.
- 01
W-2 forms
RequiredLast 2 tax yearsThe last two years, from every employer.
- 02
Federal tax returns
RequiredLast 2 tax yearsLast two years, all pages and schedules, not just the summary.
- 03
Pay stubs
RequiredLast 30 daysCovering a full 30 days, showing year-to-date earnings.
- 04
Bank statements
RequiredLast 2 monthsAll pages of every account, including the blank ones. Underwriters reject partial statements.
Any deposit that isn't payroll will need a written explanation and a paper trail.
- 05
Retirement and investment statements
If it applies401(k), IRA and brokerage statements used to evidence reserves.
- 06
Gift letter
If it appliesIf part of the down payment is a gift: the signed letter plus the donor's statement showing the funds.
- 07
Current debt statements
If it appliesStudent loans, auto loans and any other monthly obligation.
- 08
Government photo ID
RequiredDriver's license or passport, matching the name on the application.
Compiled from standard conforming-loan underwriting document lists. Your lender's list governs; jumbo and self-employed files ask for more. Last reviewed 2026-08-05.
What actually goes wrong
All pages means all pages
A two-month statement that says "Page 1 of 7" and stops is the number-one cause of a second document request. Send the whole file even when six of the pages are disclosures.
Don't move money while under review
Every unusual deposit gets sourced. Large transfers between your own accounts during underwriting create work you'll have to document later.
Free, forever
- The complete checklist on this page
- What each document must show, and how recent it has to be
- The portal's size limits and naming convention
- Every other PDF tool on the site
Pro: the pack builder
- Drop your folder in and have every file matched to its slot
- A gap report before you file, not after it's refused
- Size checks against the limits this submission enforces
- One assembled bundle, in order, correctly named
- A cover sheet listing what's inside and what isn't
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US Mortgage Pre-Approval Pack questions
Why separate files instead of one PDF?
Lender portals have named upload slots (W-2s, pay stubs, bank statements) and route each to a different underwriting check. One merged PDF gets rejected or manually torn apart, which costs a day.
One folder in, one submission out
The US Mortgage Pre-Approval Pack checklist is free to read above. Pro matches your documents to it and assembles the bundle.
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