Organize your finances to prepare for the loan application process. You will need proof of income for the previous two years. Commonly, pay stubs or tax returns are used as income verification. Additionally, free up cash equivalent to at least 20 percent of your expected loan amount. Most lenders won't approve a jumbo loan with less than 20 percent down. With mortgages over $1 million, the downpayment can rise as high as 30 percent.
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