Preliminary Standard Document Checklist
Tell us about your deal and get the documents needed for a first underwriting review. Standard items apply to every request of that type. Variable items are added only when your scenario calls for them.
Always requiredNeeded for every request on the selected financing type.
Depends on your scenarioAdded for purchases, refinances, holding companies, hospitality, construction and similar situations.
Owner-occupied at a glance
Typical guidelines · lender-specificAlways required
Required for every request of this type.
Added for your scenario
Each item shows the answer that triggered it.
Variable items not needed for this scenario
This is where the file starts, not where it ends.
Send the preliminary items
They show ownership, income sources, expenses, industry risk and collateral so underwriting can size up the request.
Get a tailored checklist
After the first review, UW-Flow issues a complete checklist based on entity type, guarantors, income, loan size, property type and program.
Keep documents current
Lenders require current documents at submission. Keep the latest bank statements and interim financials ready so the file never stalls.
Are these preliminary items all I will need for financing?
No. They are used to evaluate the opportunity and define the structure of the request. After that initial review, UW-Flow issues a customized, comprehensive checklist based on entity type, number of guarantors, income complexity, loan size, property type and program guidelines.
What if I only have tax returns and no financial statements?
Tax returns are a starting point, but underwriting will also need interim financial statements (year-to-date profit and loss and balance sheet). If you do not have them, prepare them as soon as possible to avoid delays.
Is the purchase agreement required for prequalification?
No. It is not required for initial prequalification. It is required to move into formal underwriting, so start pre-screening early and keep documents updated as the deal progresses.
Have your documents ready? Start the request.
Share the deal basics and UW-Flow will review the request, confirm the structure and send your deal-specific checklist.
This checklist is a preliminary planning guide, not a commitment to lend or a complete list of lender requirements. Guidelines shown are typical ranges; each lender and program sets its own requirements. Your ticks are saved only in this browser. UW-Flow provides independent underwriting and processing support and is not a lender.