What documents do I need for an FHA pre-approval?
The document list depends on how you earn income. Wage earners often start with recent pay stubs, two years of W-2s, bank statements, government ID and credit authorization. Self-employed borrowers usually need tax returns and business records.
What this actually means.
Additional documents depend on the file. Gift funds require a gift letter and transfer records. Support obligations, bankruptcy, large deposits or credit problems may require their own documents. I ask for the records your situation needs instead of handing every borrower the same oversized checklist.
Where this can move.
Florida insurance premiums, property tax millage and exemptions, HOA dues, CDD fees, county loan limits, and condo approval status can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.