Thinking about buying your first house? Even if you’re just curious, some real estate agents require proof of pre-approval before they can show you certain homes. To make the preapproval process seamless, your loan officer might request you provide the following documents:

  • Your credit report – Obtain a copy as early as possible and review it for accuracy. If time permits, pull your credit report three months before you seek pre-approval, so you have time to correct any issues or mistakes. Each major credit bureau must provide one free credit report annually to consumers requesting a copy. To obtain a report, visit Your goal is to identify discrepancies between the reports as well as to monitor your credit standing.
  • W-2 forms – Make copies from the past two years.
  • Paystubs – Copy your two most recent ones.
  • Financial account statements – Collect statements (including retirement accounts) from the past few months.
  • Lines of credit – If you have opened any in the past six months, you’ll need copies of those statements as well, since they might not show up on your credit report.
  • Information on vehicles you own – Include make, model, and resale value.
  • Credit card account information – Include numbers and types of cards, balances and minimum payments.
  • Auto-loan account information – Include account numbers and statements.
  • Other loan account information – Think student loans and personal loans.
  • Gifts – If you’re fortunate enough to have any money for your down payment gifted to you, identify how much and where it will come from. Be prepared to document that it’s a gift and not a loan.

Once you have all your documents and personal financial information assembled, you’re ready to get pre-approved at Resource One. Stop in or apply online today.

© 2023 Resource One Credit Union. All rights reserved.

Equal Housing Logo

Federally insured by NCUA.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.