Income
Recent paystubs, W-2s and sometimes tax returns depending on the scenario.
Purchase strategy
Buy the home with a financing plan that fits the whole picture.
Price is only one variable. The right structure balances qualification, cash to close, monthly payment, mortgage insurance, reserves and long-term flexibility.
Start with your target
What matters most on this purchase?
✓ Lowest reasonable cash to close
✓ Comfortable monthly payment
✓ Flexible credit qualification
✓ First-time-buyer strategy
✓ VA or USDA eligibility
✓ Investor or second-home financing
Purchase programs commonly explored
Conventional: flexible down-payment options and strong long-term structure for qualified borrowers.
FHA: government-insured financing that may offer more flexible credit and debt-to-income treatment.
VA: powerful financing for eligible veterans, service members and certain surviving spouses.
USDA: eligible rural/suburban properties may qualify for zero-down financing subject to income and geographic rules.
Jumbo / Non-QM: solutions for larger balances or scenarios outside standard agency guidelines.
Document game plan
What I’ll usually need to evaluate a W-2 purchase
Assets
Bank/investment statements showing down payment, closing funds and any required reserves.
Housing + debts
Current housing payment, identification and authorization to review credit when you are ready to apply.
Before you fall in love with the house
Estimate My PaymentLet’s define your comfortable payment range.
A preapproval should help you shop smarter—not merely tell you the maximum number a system will accept.