Getting pre-approved for your mortgage when buying in Fort Mill, Waxhaw, or anywhere in the Charlotte metro area requires more documentation than most people expect. Let me give you a comprehensive list so you can gather everything upfront and speed up the process. Income documentation is the big one: you'll need at least two years of W-2s, your most recent pay stubs (usually 30 days worth), and tax returns for the past two years if you're self-employed or have significant other income. If you get bonuses, commission, or rental income, expect to provide additional documentation showing the consistency of that income

For assets, you'll need bank statements for all accounts (checking, savings, investment accounts) for the past 2-3 months. They want to see where your down payment and closing costs are coming from. If you're getting gift money from family for the down payment, you'll need a gift letter and documentation of the transfer. Credit reports will be pulled by the lender, but you should check yours first. You'll also need government-issued ID like a driver's license, Social Security card, and current debt statements for all loans and credit cards

If you're buying in Ballantyne or Weddington and have investment properties, bring lease agreements showing rental income. The key is being organized and responsive – the faster you provide documents, the quicker you can start shopping for homes in Indian Land, Marvin, or Pineville.