Key takeaways
- Documentation readiness prevents last-minute scrambles.
- Responsive communication keeps files at the top of the queue.
- Title and insurance coordination keeps closings on track.
Collect everything at once
Prepare two years of tax returns or W-2s, recent pay stubs, and your current mortgage statement.
Self-employed borrowers should include a year-to-date P&L and supporting bank statements.
Answer conditions immediately
Set aside a daily 20-minute window to respond to any lender requests so the file moves without breaks.
Upload documents through the secure portal rather than emailing sensitive files around.
Coordinate third parties early
Loop in your insurance agent and preferred title company so they know the target funding date.
Verify wire instructions the day before closing to prevent fraud or delays.
Action plan
Download the checklist, gather your documents, and begin the digital pre-qualification to start the seven-day clock.
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