• Copies of pay stubs for each applicant, reflecting a minimum of 30 days of income

• Names/addresses of employers for two years

• W-2s for two years

• One to two years of tax returns

• A completed and signed Form 4506-T or 4506T-EZ, provided by your Mortgage Banker

• Bank statements for two to three months

• If self-employed, year-to-date profit and loss statement, plus signed returns for last two yearsProof of pension income, if applicable

• Social Security and Disability payments, if applicable

• Dividend earnings

• Bonuses

• Child support or alimony payments (optional for you to disclose)

• A copy of earnest money deposit

• Information on debts such as car loans, student loans and credit cards

• Security accounts (stocks, bonds, life insurance)

MidState Mortgage completes the pre-approval process in minutes. The closing process from start to finish takes about one month.

It depends on the situation and is based on a case by case basis. If one spouse qualifies for the amount of the loan, then it is usually not necessary for the other spouse to be listed. However, if you need both incomes to qualify, then both spouses should be on it.

Your spouse’s credit score only matters if your spouse’s income is required for the loan. Otherwise, they do not need to be listed on the loan application.

The sooner you start, the better. We suggest that you begin the pre-approval process a month before you plan to start looking at houses. Pre-approval allows you to know exactly what you can get!

The cost is $0 for you upfront. Our process is unique in that there is no financial investment that locks you in.

Anywhere in the state of Georgia. If you are 2 doors down here in Macon or 200 miles away, we can email anything!