Are you getting serious about making an offer on a home? Get pre-approved today!
With Capitol Federal's pre-approval program, you will obtain a fully documented and underwritten loan decision prior to finding a property. Getting pre-approved demonstrates to the property seller and real estate agents that you are a serious and qualified borrower. It also gives you peace of mind and expedites the formal decision process once you find a home and sign a contract. You will be asked to provide supporting documentation to verify the information provided on your application, such as income, employment and financial records. In addition, we will look at your full credit report. Your pre-approval request will be fully underwritten by our experienced underwriting team and if pre-approved, you will receive a formal confirmation of the approved loan amount.
- Formal confirmation of loan amount
- Deeper look into financials and employment records
- Fully underwritten loan decision
- Full credit report
To apply online you'll need to have the following information on hand as applicable:
- Bank statements (all pages) for the most recent two months
- IRS Form W-2 for the most recent two years
- Name and contact information for Landlord
- Pay stubs covering the most recent 30-day period
- Year-end pay stubs for the last two years to verify bonus, overtime and/or commission income
- Most recent Pension, Retirement, Social Security or Disability Award Statement
- Most recent statement for all mortgage accounts
- Two months account statements (all pages) for investment/retirement accounts
For Borrowers with Self-Employed Income (Ownership interest of 25% or more in a business):
- Previous two years’ Federal Tax returns, including all schedules
- W-2s and 1099s
- Year-to-date profit/loss statement (signed and dated)
- Previous two years’ corporate/partnership returns, including K-1s
For Borrowers with Rental Properties:
- Previous two years’ Federal Tax Returns
- Lease agreement and the estimated property value for each property owned
- Monthly mortgage statement for each property owned
Additional documentation may be necessary, dependent on your individual circumstances, but this is a good start to complete the online portion of the application. If you cannot locate these documents or only have some of them on hand during the online application process, no reason for concern, they can be uploaded to the secure portal at any time.
KNOW YOUR OPTIONS - PRESCREEN OPT-OUT
Consumers who would like to know about options to opt-out of firm offers of credit and insurance can find information at www.optoutprescreen.com. Through this website, consumers may request to:
- Opt-out from receiving firm offers for five years
- Opt-out from receiving firm offers permanently (Mail Permanent opt-out election form available through website)
- Opt-in to be eligible to receive firm offers (This options is for consumers who had previously completed an opt-out request)
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The Difference Between Getting Pre-Qualified or Pre-Approved
