Get Adobe Flash player

Preparing for your Pre-Approval Phone Appointment

Thank you very much for your interest in getting pre-approved to buy or refinance a home through Envoy Mortgage of Brookfield, WI. This is a huge step in the mortgage process and it’s one that needs to be done right to avoid issues down the road; I really look forward to being your guide through this exciting time in your life!

Complete Prior to Our Appointment:

As soon as possible, but no later than two hours prior to our scheduled phone appointment, be sure to fully complete your free, secure online application by visiting

This is required so that my team and I can ensure, ahead of time, that we are fully prepared to help you based on your situation. It eliminates the surprises that may pop up during our meeting and allows us to focus on you and your needs, not data entry. Ultimately, it will help us give you a much higher level of service.

In order to keep your appointed time, this must be completed. If you prefer to complete this over the phone instead of online, let me know and I will gladly set up a longer appointment to get the application done just before we talk about all the other moving parts of obtaining a mortgage.

Documents to provide prior to our meeting:

  • Assets: The most recent statement for each of the accounts (checking, savings, money market, retirement, etc.) that you list on the application as assets.
    • Purchase Money Mortgages Require that you source your down payment; i.e. assets are almost always required.
    • Most refinance transactions do not require that you show assets, but if you do, it will add strength to your overall loan portfolio.
  • Contract: In the unlikely event that you are already under contract with a seller (pre-approvals usually come before contracts do), I will need a copy of the fully executed contract along with all addenda
  • Income: Wage Earner – Each employed borrower’s most recent pay vouchers (pay/check stubs) covering at least a four week period
  • Income: Wage Earner – Each employed borrower’s two most recent annual IRS W2s from your respective employers
  • Income: Other
    • If an income comes from sources other than traditional wages (i.e. entitlements, retirement, etc.), I usually need the 1099(s) and/or the annual award letter(s) showing the amount of income being received for the past two years.
    • If a borrower is self-employed, owns 25% or more of a business, or earns commission income, I will need the two most recently filed federal income tax returns along with all applicable schedules attached.  If this borrower files as a partnership or an LLC, I will also need the Schedule K-1 and Form 1065 with all applicable schedules attached.  If this borrower files as an S-Corp, I will also need Schedule K1 1120S and Form 1120S with all applicable schedules attached. Finally, if this borrower files as a corporation, I will also need Form 1120 with all applicable schedules attached.

Please send them using any of the four methods that are shown at

Bear in mind that providing these supplements is not mandatory, but highly recommended. For purchases, your real estate agent and seller will be much more comfortable with you as a buyer if they know that your lender has checked your credit, your income and your assets. For refinances, you know that the numbers provided are much more accurate.

I look forward to getting to know you better and to providing you with world class service at every turn!

Print Friendly, PDF & Email