Pre-approval documents for San Diego buyers
Quick answer: Bring these five items to start a San Diego pre-approval: recent pay stubs, W-2s or tax returns, two months of bank statements, a photo ID, and a VA Certificate of Eligibility if you are using VA. That package is enough for us to run numbers. Underwriting may ask for more later.
Amir Nurani
Broker / Owner · NMLS #197458
Send the five items below and we can usually issue a usable pre-approval the same day, then stay with you through conditions.
The five documents
- Pay stubs. Most recent 30 days. W-2 employees: the stubs that show year-to-date. If you just changed jobs, include the offer letter.
- W-2s or tax returns. Last two years of W-2s if you are salaried. Federal returns (and K-1s if you have them) if you are self-employed or income is otherwise complex.
- Two months of statements. Checking, savings, and any account that will fund the down payment or closing costs. All pages, including blank ones.
- Photo ID. Driver license or passport. We need a clear copy for the file, not a cropped corner.
- COE if VA. Certificate of Eligibility. It shows entitlement, first use vs subsequent use, and any funding-fee exemption. If you do not have one, we pull it.
Gift funds, large deposits, and condo HOA docs are common add-ons. They are not required to start. See the longer documents checklist and how pre-approval works if you want the full list.
Ready to get pre-approved?
Start the form. We will tell you exactly which of the five items we still need.
Get Pre-Approved(619) 366-9494 · Amir Nurani · NMLS #197458
Left Coast Leaders, Inc. · NMLS #2394495 · DRE #02191517 · Equal Housing Lender · San Diego, CA