"Mortgage paperwork" is mostly about providing documents that show how much you earn, where you've lived, monthly debts and account balances. You can provide much of this information in person or on your application; however, there are several additional documents you may need to provide depending on where you are in the loan approval process.
Getting prequalified is convenient. Here's what we'll need from you:
Mortgage prequalification is an assessment of whether your debt-to-income ratio fits mortgage guidelines and provides an estimate of the amount you may be able to borrow. You can also request a prequalification letter, which you can give to your real estate agent to show you are a serious home buyer. Prequalification is optional, but it's a helpful step in the process of buying a house.Get Prequalified
Whether you've completed the prequalification process with U.S. Bank or not you can apply for pre-approval at any time. The first step is to complete a full mortgage loan application, including the following information.
This is a partial list; your mortgage loan originator can tell you about any additional requirements.
Additional documents may be required at your mortgage closing. Your real estate agent and mortgage loan originator will let you know which documents will be needed when you close on your new home and they'll work closely with you at each step of the mortgage process.
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