Resources

Mortgage Checklist

Track the documents and milestones that keep your file moving from inquiry to closing.

Try Calculators All Resources

0 of 12 complete

Before Pre-Approval

Review your credit reportsCheck for errors, list monthly debts, and avoid new credit inquiries before you apply.
Gather income documentationRecent pay stubs, W-2s, and two years of tax returns if you are self-employed.
Collect asset statementsChecking, savings, and retirement accounts that may fund down payment or closing costs.
Confirm gift funds (if any)Ask your loan officer what a gift letter needs to include before funds are transferred.

While Shopping

Get a pre-approval letterA documented pre-approval helps sellers take your offer more seriously than a soft pre-qualification.
Set a realistic purchase rangeFactor payment, taxes, insurance, HOA dues, and reserves—not just the sticker price.
Compare program optionsConventional, FHA, VA, USDA, and first-time buyer assistance can change cash needed at closing.
Coordinate with your real estate agentShare your pre-approval amount and any program timelines that affect contingencies.

Under Contract to Closing

Complete disclosures promptlyReturn loan disclosures and upload any follow-up documents your loan officer requests.
Track appraisal and titleStay reachable for appraisal access, title questions, and insurance binder requirements.
Secure homeowners insuranceProvide a binder that meets lender requirements before clear-to-close.
Prepare closing fundsConfirm wire instructions with your title company and avoid last-minute large transfers without notice.

Ready for the next step?

Bring this checklist to your first conversation and a Clear Mortgage loan officer can tailor the list to your program and timeline.

Find a Loan Officer

Clear Mortgage is a DBA of Gold Star Mortgage Financial Group, Corp. NMLS #3446. We combine clear numbers with dedicated loan officers so borrowers can finance purchases and refinances with confidence.

Programs

Conventional
FHA
VA
USDA
Jumbo
Refinance
First-Time Buyer
Specialty Programs

Resources

All Resources
Calculators
FAQs
Mortgage Checklist
First-Time Buyer Guide

Company

About Us
Find a Loan Officer
Learning Center
Contact

Legal

Licensing / NMLS
Privacy Policy
Terms of Use
Accessibility