With a North Shore Bank pre-approval, you can make an offer on a new home with confidence.

Why Should You Get Pre-approved for Your Mortgage?

  • It’s a FREE service
  • You can apply for your mortgage pre-approval online, 24/7
  • You’ll know how much home you can afford
  • Save $100 off closing costs with a mortgage from North Shore Bank
  • When sellers, builders, and realtors know that you have been pre-approved for your home financing, you will become a preferred buyer
  • We offer an array of mortgage loan options, designed with you in mind. Our North Shore Bank Mortgage Loan Officers will be happy to work with you to determine which mortgage loan product is best suited to your needs.
  • Be alerted when interest rates are right for you. Set up eAlert Rate Watch.

Why Should You Get Pre-approved for Your Mortgage?

Your Employment History

  • Names and addresses of employers for the last 2 years
  • Social Security numbers
  • Paystub for most recent full month with year-to-date earnings
  • Past 2 years W-2 form(s) and 1040 Federal Tax returns
  • Past 2 years of partnership 1065 tax returns (if applicable)
  • Past 2 years of corporation 1120 or 1120S Federal Tax forms (if applicable)

Your Assets and Liabilities

  • Last 2 months statements for checking/savings, 401(k), money markets, etc.
  • Documentation for any recent large deposits in accounts
  • Most recent statement for current mortgages (if applicable)

Special Situations (if applicable)

  • Bankruptcy papers (petition, discharge and schedules, letter of explanation)
  • Final divorce judgment and marital settlement agreement
  • Judgment or lien on your assets
  • Child support history showing no arrearage
  • Letter of explanation regarding all late payments and recent inquiries

Frequently Asked Questions