Some of the items that you will need to get the loan process started are:

• ID and Social

• Most Recent Paystubs (last 30 days)

• Last two years of W-2s or 1099s

• Last two years of tax returns (1040’s & Schedule forms)

• Most Recent Paystubs (last two months)

Typically the pre-approval process can be as little as 24-48hrs. However, it may take longer if you have missing documents or a have conditions that must be met.

You do not have to be at the same employer for two years, as long as you have been working consistently you can still be able to qualify.

It is recommended to abstain from utilizing your credit as it may impact your credit score and cause your monthly debts to be higher than expected. Try to keep your balances as low as possible, generally bellow 30% of your credit limit.