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Pre-Application Checklist

The following items are required for a prequalification letter:

  1. Most current paystub.

  2. Most current bank statements, all accounts that will be used for down-payment and closing costs. Please include all pages of the statement.

  3. Most recent year W-2 form.


Each borrower’s profile is different. Some common profiles which can trigger the need for additional documentation are listed below, along with the required documentation per scenario.


If you are self-employed for less than five years:

  1. Two most recent years of federal tax returns, all pages and schedules, business and personal.

  2. All Schedule K-1’s.

If you are self-employed for more than 5 years:

  1. Most recent years federal tax returns, all pages and schedules, business and personal.

If you are paying alimony or child support:

  1. Full divorce decree. 

If you own real estate other than your current home:  

  1. The most recent personal tax return, all pages. 

There may be additional documentation needed, depending on individual circumstances. 

Please take the time to provide clear, readable copies of any documentation requested.

These forms can be mailed, scanned and emailed, or faxed to Covenant Home Loans.


Mailing address: PO Box 929, Carefree AZ 85377
Secure Fax- 480-248-2684


Please call Nick Vallario at 480-999-0086 with any questions.
An Independent Mortgage Broker/Owner

Covenant Home Loans: NMLS1811403


Nick Vallario: NMLS 180861



*E-mail is not 100% secure. While convenient, you could be subjecting yourself and your personal information to hackers.

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