{"id":28,"date":"2026-08-21T09:00:00","date_gmt":"2026-08-21T09:00:00","guid":{"rendered":"https:\/\/demos.canvaswp.com\/mortgage\/2026\/08\/21\/documents-to-gather-before-you-apply\/"},"modified":"2026-08-21T09:00:00","modified_gmt":"2026-08-21T09:00:00","slug":"documents-to-gather-before-you-apply","status":"publish","type":"post","link":"https:\/\/demos.canvaswp.com\/mortgage\/2026\/08\/21\/documents-to-gather-before-you-apply\/","title":{"rendered":"Five Documents to Gather Before You Apply"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Most delays in underwriting come from missing paperwork. Having these ready before you apply keeps our average close to 12 days.<\/p>\n\n\n<ul class=\"wp-block-list\">\n<li>Pay stubs for the last 30 days<\/li>\n\n\n<li>W-2 forms or tax returns for the last two years<\/li>\n\n\n<li>Bank statements for the last two months<\/li>\n\n\n<li>Photo identification<\/li>\n\n\n<li>Details of any other loans or debts you pay each month<\/li>\n\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\">If You Are Self-Employed<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Expect to add two years of business tax returns and a year-to-date profit and loss statement. Your loan officer will tell you exactly what each lender needs.<\/p>\n\n\n<p class=\"wp-block-paragraph\">You can upload everything securely once your application is open, and your loan officer checks each file as it arrives.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Underwriting moves fastest when the paperwork is ready on day one. These five documents cover most of what a lender will ask for.<\/p>\n","protected":false},"author":103,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[14,15],"class_list":["post-28","post","type-post","status-publish","format-standard","hentry","category-buying-a-home","tag-application","tag-underwriting"],"_links":{"self":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/posts\/28","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/users\/103"}],"replies":[{"embeddable":true,"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/comments?post=28"}],"version-history":[{"count":0,"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/posts\/28\/revisions"}],"wp:attachment":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/media?parent=28"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/categories?post=28"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/tags?post=28"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}