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Printable resource
The pre-application worksheet.
One page to fill in before the first real conversation. Nothing here is an application. It is a way to see your own numbers in one place, so the review can start with the structure instead of the scavenger hunt.
Retirement income
The goal is to show what you receive, where it comes from, and that it keeps coming. Gather the statement, not the account credentials.
- Social Security award or benefit letterThe current-year letter showing the gross monthly benefit.
- Pension statementsAward letter or benefit statement showing the monthly amount and whether it continues for life.
- Annuity statementsThe contract or statement showing the payment amount and how long payments run.
- Evidence of fixed or variable distributionsWhether you take the same amount each month or draw as needed changes how it is documented.
- Recent bank statements showing the deposits arrivingReceipt matters as much as entitlement. Statements show the money actually landing.
Write it down
- Social Security, gross monthly amount
- Pension or annuity, monthly amount and source
- Distributions, monthly amount and account
- Any income scheduled to start or stop in the next three years
Retirement and investment accounts
List what exists and roughly what is in it. Balances get verified later through the secure process, so an approximate figure is fine here.
- Recent retirement account statements401(k), 403(b), IRA, Roth, TSP. The most recent statement for each.
- Recent investment or brokerage statementsTaxable brokerage, mutual funds, certificates of deposit.
- A note on which accounts you would actually useSome accounts are meant to stay untouched. That distinction is worth saying out loud early.
Write it down
- Account type and institution
- Approximate balance
- Would you draw from it, or is it off limits
The current home
Most 55+ purchases involve a home you already own. What happens to it shapes the whole structure.
- Current mortgage statementShows the balance, the payment, and whether taxes and insurance are escrowed.
- Estimated home-sale proceedsA Realtor's estimate is enough. Sale price, less payoff, less selling costs.
- A second mortgage or line of credit statement, if one exists
Write it down
- Estimated sale price
- Mortgage payoff
- Estimated selling costs
- Estimated net proceeds
- Do you plan to sell before buying, after buying, or keep the home
Funds for the purchase
Down payment, closing costs and reserves are three separate numbers. Writing them separately keeps the plan honest.
- Funds intended for the down paymentWhere they sit today.
- Funds intended for closing costs
- Funds you intend to keep in reserveMoney you do not want to spend on this purchase. Reserves may play a role in qualification.
- Any gift or family contribution you expectGifts have their own documentation path. Say so early rather than late.
Write it down
- Down payment amount
- Closing cost amount
- Reserve amount
- Source of each
The people already advising you
A financial adviser, a Realtor and a lender can each optimize for something different. When they talk early, the plan usually gets simpler.
- Realtor name, phone and email
- Financial adviser or accountant name, phone and email
- Anyone else involved in the decisionAn adult child, an attorney, a co-borrower.
Write it down
- Realtor
- Financial adviser or accountant
- Other
Anything else worth saying
Timing, a health consideration, a property that is hard to describe, a number that does not look like the rest of the file. Write it here so it is part of the first conversation rather than a surprise in the third.
When the worksheet is filled in
Bring it to the conversation, or tell me you have it and we will work from it. If documents are needed, they go through Network Funding's approved secure process, never through ordinary email or text.