Pre-approval documents

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• Photo IDDriver’s license, state ID, or passport.
• Last 30 days of pay stubsFor every job, every borrower.
• Last 2 years of W-2sSelf-employed? Two years of tax returns instead — all pages.
• Last 2 months of bank statementsAll pages, even the blank ones — underwriters really do want page 7 of 7.
• Retirement / investment statementsMost recent statement if you’ll use these funds for reserves or down payment.
• Explanation for any large depositsAnything unusual in the last 2 months needs a one-line paper trail.
• Gift letter (if family is helping)Spencer provides the template — takes 5 minutes.
• Landlord info / rent history12 months of on-time rent can strengthen a file.
• Student loan statementsShowing current monthly payment, especially on income-driven plans.
• Submit through Fairway’s secure portalNever email documents — use the encrypted upload link Spencer sends.

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