Straight talk on mortgages from a loan officer who's done it for 10+ years.
One of the most common reasons pre-approvals get delayed isn't credit or income — it's missing paperwork. Lenders need to verify a lot of information before they can issue a pre-approval letter, and if you're scrambling to find documents after you've already found a home you love, you're at a disadvantage.
Getting a mortgage isn’t just about filling out an application. It’s about proving, on paper, that your income, assets, and overall financial profile support the loan you’re applying for. That’s why lenders ask for a specific set of documents upfront. When everything is provided clearly and completely, the process moves quickly. When it’s not, things slow down.
Getting pre-approved feels like a big step.
This is one people don’t expect until they’re already in the process.
This is one of the most common questions we get: how many pay stubs do you need for a mortgage?
If you recently switched to 1099 income, you’ve probably heard this already:
Talk to Nate directly — no forms, no call centers, no runaround.