Watch the video below to learn what underwriters need to see — and how to prepare your statements correctly.
A pre-qualification gives you a clear idea of what you’re eligible for before shopping for a home. You’ll know:
This protects you and ensures the loan is approved smoothly.
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We need to confirm that your funds are accessible and seasoned.
Any large non-payroll deposit must be documented with a paper trail.
Names must match your loan file.
Overdrafts don’t always kill a file — but they often create questions we must address.
Not screenshots — we need complete pages, including the summary page
Even if a page is blank, the underwriter must see it.
Gift? Transfer? Sale of property or asset? Include supporting documents.
During underwriting, keep funds stable to prevent additional conditions.
Bank statements help verify:
Missing pages
Unclear mobile screenshots
Large unexplained deposits
Incorrect account owner
Trying to hide overdrafts
Bank statements help verify:
