01/17/2026
Getting pre-approved is the first real step toward owning a home, yet most buyers are not sure what they actually need to qualify. As a licensed mortgage professional in Illinois, I help clients simplify this process so they can move forward with confidence.
Here is a quick breakdown of the essential documents and information you should have ready to get pre-approved. Save this and share with anyone planning to buy a home in 2026.
1. Proof of Income
W-2s, recent pay stubs, and last 2 years of tax returns.
Self-employed? Bring 1099s + business tax returns.
2. Employment Verification
Your lender will confirm your work status and stability.
Consistent income = stronger approval.
3. Credit Review
We check your credit score and full credit history.
No perfect credit needed, we help buyers improve.
4. Bank Statements
Last 2–3 months showing savings, checking balances, and any large deposits.
This proves your ability to manage funds responsibly.
5. Identification & Residency Info
Driver’s license or state ID, plus Social Security number.
Simple but required for the approval process.
6. Down Payment Source
Savings, gifts, and grants, tell us where your funds are coming from.
Full transparency = smoother underwriting.
When you’re ready, visit our secure mortgage page to start your pre-approval or reach out for a one-on-one consultation.
Start here:
Evan Battaglia is a Mortgage Lender in Bloomingdale, Illinois and surrounding areas. We specialize in Credit Repair, Refinancing Services and More.