If you are in the state of Nevada, more specifically in Las Vegas, and you are looking to getting a home loan or a mortgage, there are many things that you have to prepare to get one successfully. Let’s first look at the documents that you will need to present.


• As a worker who gets a salary, you will need to present a pay stub or a salary statement that shows your income. Also, you will need to present more than one if you have had more than one employee for the past year.
• If you are the type of person who works for commissions or bonuses then you will need to show your last two years of tax returns. This will need to include 1099 forms.
• If you are a business person or self-employed, then 2 years of tax returns is required.
• You will need the most recent 2 months of bank statements, any savings and checking accounts, stocks, bonds, etc.
• If you own a rental property you will need to show the rental agreements and also 2 years tax returns.
• If you are refinancing then you will need to get a note on your mortgage and you can get this from settlement paperwork from the close of your loan.
• Bring current mortgage coupons and your homeowners Insurance Agent info.
• If you are divorced, then you will need to provide a divorce decree.
• If you are not a citizen of the United States then you will have to show your green card or your H-1 or L-1 Visa.

Pre-approval process
The next thing you need to do is get pre-approved and this is important before you go around shopping for a house. This is one of the requirements for a Las Vegas home loan but it is a good thing so that you can get to know how much you can borrow. This will also help you to know how much payment will be expected of you. So in a nutshell you will:

• Know the maximum house that you can purchase so that you will look for houses in your price range and not out of it.
• Be in a strong position as you negotiate with sellers because you know how much spending power you have.
• Help the process of the loan flow much easier so that you can close the loan faster especially since all the paperwork has been done already.