You may also include child support or other court costs if you wish,
bringing proof of payment… the best way to be prepared, though, is to consult a
real estate attorney in your area and get them to help you prepare your
materials. After all, they’ll be able to tell you if you’re missing anything or
have something that you don’t need for your state or area.
Finally, you should understand the difference between being pre-approved and
being pre-qualified. If you’re pre-qualified, then it means that a lender has
looked at the material that you’ve provided for them and they’ve given you an
estimate of how much you can afford to borrow. If you’re pre-approved, then
they’ve checked your credit report and figured out your debt-to-income ratios
and still consider you an acceptable risk to lend money to. It’s better to get
pre-approved than to simply pre-qualify, since that way you know there aren’t
going to be any nasty surprises waiting for you when the potential lender pulls
up your credit report.