Get organized early

Document checklist

Typical items many borrowers gather for pre-qualification and a full application. Your situation may need more or less — Tyler will tell you what’s relevant. Do not email Social Security numbers or account passwords to this website.

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Secure upload preferred. Use NEXA’s LendingPad portal (Apply Now) for sensitive documents. This checklist is educational — not a commitment to lend and not a complete underwriting list.

Identity

Government-issued photo ID (front and back)
Social Security card or other SSN verification (upload via secure portal only)

Income — W-2 employees

Most recent 30 days of pay stubs
W-2s for the most recent 2 years
Federal tax returns if requested

Income — self-employed / 1099

Personal federal tax returns (often 2 years), all schedules
Business returns if applicable
Year-to-date profit & loss if requested
1099s and business bank statements as needed

Assets

Most recent 2 months of bank statements (all pages)
Retirement / investment statements if used for funds
Gift letter and donor documentation if receiving gift funds

Housing & credit context

Landlord contact or mortgage statements for current housing
Explanations for large deposits or credit inquiries if asked
Divorce decree / child support docs when relevant

Purchase / refinance extras

Purchase: ratified contract when you have one
Refinance: current mortgage statement; HOI declarations page
HOA docs if the property has an association

Additional items are common (bankruptcy paperwork, relocation letters, etc.). We’ll only request what underwriting needs.

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