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Thank you for your interest in working with Mortgage Right and taking advantage of our Right Approval Program. So what is a Right Approval?

A pre-qualification is based on only limited information, such as a review of your credit report and the income and assets you stated on your application. It’s usually a quick and simple process. A pre-approval is a more complex process that requires submitting a formal loan application and providing verifying documentation regarding your financial situation. We then submit your full loan file to underwriting for a fully underwritten pre-approval. A seller is much more likely to accept an offer from someone who has been fully pre-approved vs only pre-qualified and you'll rest much easier too!

The following is a list of items we need initially to have you fully pre-approved with our Right Approval Program!

 

  • Most recent 30 days of pays tubs

  • Most recent 2 years W-2’s

  • Most recent filed 2 years personal tax returns with all schedules

  • Most recent business tax returns and/or K1 forms for any partnerships (if applicable)

  • Contact info to verify your employment for the past two years

  • Most recent 2 months personal checking account, savings account, and any retirement fund statements (all pages front and back)

  • Please document any large non-payroll deposits by providing a copy of the cancelled check & deposit slip

  • Legible Photo ID (Driver’s License or Passport)

  • If any real estate is currently owned, provide recent mortgage statement, insurance bill, property tax bill, and HOA

  •   statement (if applicable)

  • DD214 for VA loans

  • Divorce decree (if applicable last 10 years)

  • Bankruptcy petition & discharge papers (if applicable last 10 years)

 

These documents can be sent directly through our Secure Document Upload site!