Jennifer Johnson, Mortgage Loan Officer at OnPoint Mortgage - NMLS #502197

Prequalification is a rough calculation of the mortgage payment you can afford based on the information you provide to your Mortgage Loan Officer. Preapproval means you're essentially ready to start shopping for a house as you have formally applied for the mortgage, and we've determined that you are eligible for a mortgage of a certain amount.

When applying for a first mortgage, you'll need to provide original copies of the following items. You will need: Most recent pay stubs for the past 30 days with year-to-date total. W-2's for the past 2 years (for all jobs held in the last 2 years). All pages of bank statements for all asset accounts for the last 2 months. If your accounts are with OnPoint we will gather this information for you. Most recent award letter(s) and last 2 years' 1099s for retirement income such as social security, IRA accounts or pensions Driver's license or other acceptable government-issued identification. If applicable, the Permanent Resident card is required. Home insurance declaration page(s) with agent name and annual premium. Most recent 2 year's federal tax returns including all forms and schedules including both personal, and business returns if applicable. Most recent monthly statement(s) for mortgages or home equity lines from all residential properties currently owned. If you claim rental income current lease/rental agreements signed by you and tenants. If purchasing,fully signed sales agreement with all addenda, counteroffers, earnest money receipt and proof earnest money cleared your account. If current residence is pending sale or recently sold, provide a sales agreementor Final HUD-1 Settlement Statement documenting the sale terms. If applicable, copies of bankruptcy discharge, divorce decree or support orders. If you have any questions about the documents you'll need to bring to your mortgage appointment, please contact us at 503.273.1755 or toll-free at 800.527.3932 ext. 5220.