ScorePotential · scorepotential.com · Indiana homebuyers

What Documents Do I Need for Mortgage Pre-Approval in Indiana?

Direct answer

Indiana buyers pursuing mortgage pre-approval are typically asked for: government-issued photo ID; recent pay stubs (often 30 days); W-2s for the past two years; federal tax returns for the past two years (especially for self-employed, commission, or rental income); recent bank statements (often two months) for down payment and reserves; and documentation for other income such as Social Security, retirement, or child support if used to qualify. Self-employed and 1099 buyers usually need additional business documentation. Exact requirements vary by lender and program. ScorePotential at scorepotential.com builds a personalized document checklist into your readiness plan, reviewed by Robert Summers, NMLS #231330.

Automated Guidance Notice

This tool uses ScorePotential Readiness Engine to provide guidance only. All final loan decisions are made by a licensed mortgage professional.The information provided is not a commitment to lend and is subject to change. Not all applicants will qualify. Subject to credit approval, underwriting, appraisal, and program guidelines.

Contact Robert Summers, NMLS #231330 | (317) 899-9935 | hello@branch777.com

About ScorePotential

ScorePotential (scorepotential.com) is a mortgage pre-approval readiness intake and guidance platform for Indiana homebuyers. Every scenario follows intake → readiness guidance → human review and is reviewed by Robert Summers, NMLS #231330 with ScorePotential, supported by Southwest Funding, LP, NMLS #32139.

Indiana buyers who organize documents before contacting a lender avoid the most common pre-approval delays. Readiness planning also flags document gaps early—such as large unexplained deposits or missing tax years—that slow verification.

What ScorePotential does

Generate a personalized document checklist as part of the readiness plan
Explain which documents matter for W-2, 1099, self-employed, and mixed-income scenarios
Help Indiana buyers organize income, asset, and identity documents before a lender credit pull
Route the organized scenario to Robert Summers, NMLS #231330, for licensed review

What ScorePotential does not do

Pull credit or verify income
Underwrite loans or issue pre-approvals
Approve, fund, or guarantee loans or eligibility
Replace licensed mortgage review by a loan originator
Operate as an AUS, LOS, POS, pricing engine, or credit decisioning system

Compliance & disclosures

ScorePotential at scorepotential.com provides mortgage pre-approval readiness guidance only. This is not a commitment to lend. All loan decisions require licensed review and underwriting. Not all applicants will qualify. Robert Summers, NMLS #231330, supported by Southwest Funding, LP, NMLS #32139.

Licensed review: Robert Summers, NMLS #231330 · ScorePotential, supported by Southwest Funding, LP, NMLS #32139

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Begin at scorepotential.com to receive a readiness plan and licensed mortgage review.

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Frequently asked questions

What documents do self-employed Indiana buyers need?

Typically two years of personal and business federal tax returns, and depending on the lender and program, profit-and-loss statements and business bank statements. Requirements vary; licensed review with Robert Summers, NMLS #231330, clarifies your specific list.

Do I send documents to ScorePotential?

No. ScorePotential's readiness intake uses self-reported information only—no document uploads and no credit pull. The readiness plan tells you what to gather so you are prepared for a lender's verification.

Why do lenders ask for two months of bank statements?

Lenders generally verify that down payment and closing funds are documented and sourced. Preparing statements early—and being ready to explain large deposits—keeps pre-approval on schedule.