Home Loan Shopping? How To Prepare For Your Lender Meetings

Home Loan Shopping? How To Prepare For Your Lender MeetingsYour Home Shopping Checklist

Shopping for a mortgage can feel a little overwhelming, but it is worth the extra effort to take the time to prepare for your lender meetings. Being prepared can potentially save you thousands of dollars. So you can maximize your savings, we want to give you a quick overview of the paperwork you should bring to your lender meetings.


  • A copy of your driver’s license or passport
  • Copies of at least two of your most recent pay stubs
  • Copies of the last two years’ W-2s
  • Copies of your federal tax returns (including all schedules) from the last two years
  • Proof of your consistent housing or rental payments


  • Copies of your current bank statements for each of your accounts; these should cover the last two months at minimum
  • Copies of all of your investments, including stock and bond accounts, retirement accounts, IRA statements, and investment accounts
  • Documents verifying the value of any valuable personal property, e.g. cars
  • Copies of your lease agreement
  • Your life insurance policy verifying its value


  • Divorcees should bring a copy of their final divorce decrees
  • Those who have filed for bankruptcy will need to show their complete bankruptcy paperwork
  • Active military members and veterans should show a statement of service, plus an authorization to live off-base

This might sound like a lot of paperwork, but gathering it all and organizing it neatly in a folder will ensure your meetings with your lender are easy and efficient.

Fortunately, the right lender can help you prepare for your meetings and help you get the right mortgage with the best rates. To get that level of service, contact the dedicated team at Avis Lending. With offices conveniently located in Irvine, California and Lahaina, Hawaii, we are here to serve as your one-stop shop to all of your west coast home loan needs.

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