---
title: Why do you ask for so much paperwork up front?
description: Getting a pre-underwritten pre-approval allows you to waste less time making offers and gives buyers and sellers trust they can close fast and on time.
---

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2. [FAQs](https://info.jvmlending.com/knowledge/faqs?hsLang=en)
3. [Getting Pre-Approved](https://info.jvmlending.com/knowledge/faqs?hsLang=en#getting-pre-approved)

# Why do you ask for so much paperwork up front?

## We ask for documentation upfront so buyers and seller can have a pre-underwritten pre-approval they can trust to close fast and on time!

**We collect so much up front to protect you!**

JVM will fully pre-underwrite your file to ensure we have an airtight pre-approval. Our strong pre-approvals make your offers more compelling and much more likely to get accepted by sellers. It is, however, extremely important that we miss no potential issues when we are issuing your pre-approval because you and sellers alike depend on them, and because you will be subject to penalties and even the loss of a security deposit if a deal-killing issue arises after you are in escrow.

Many lenders only do "pre-qualifications" instead of full pre-approvals with minimal documentation requests. They portray this as a courtesy to borrowers but they are really subjecting their borrowers to substantial risk because there are so many potential issues that can arise after receipt and review of all documents.

Here are some examples of deal-killing issues that we have seen other lenders miss:

**1. Commission income was not seasoned:** Lenders cannot use commission income until there is a two-year history, and just reviewing paystubs and W2s without getting verification of employment forms filled out will not tell lenders whether or not there is sufficient seasoning.

 **2.** **Child support ends in two years:** Lenders cannot use child support income to qualify a borrower unless it will continue for at least 3 years, requiring a deep dive into a divorce decree to make sure.

**3. Retiring in two months:** Lenders require employment to continue indefinitely or beyond two years before they can use the income from an employer for qualification purposes. If a borrower is retiring soon, the income from the job cannot be used. Again, a formal verification of employment is necessary to establish job continuity.

- [FAQs](https://info.jvmlending.com/knowledge/faqs?hsLang=en#main-content)

    - [Closing](https://info.jvmlending.com/knowledge/faqs?hsLang=en#closing)
    - [Getting Pre-Approved](https://info.jvmlending.com/knowledge/faqs?hsLang=en#getting-pre-approved)
    - [Post-Close](https://info.jvmlending.com/knowledge/faqs?hsLang=en#post-close)
    - [Making Offers](https://info.jvmlending.com/knowledge/faqs?hsLang=en#making-offers)
    - [Loan Products](https://info.jvmlending.com/knowledge/faqs?hsLang=en#loan-products)
    - [Mortgage Interest Rates](https://info.jvmlending.com/knowledge/faqs?hsLang=en#mortgage-interest-rates)

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