{"id":5803,"date":"2026-01-15T03:18:12","date_gmt":"2026-01-15T11:18:12","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=5803"},"modified":"2026-01-15T22:56:14","modified_gmt":"2026-01-16T06:56:14","slug":"loan-application-initial-le","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/5803\/","title":{"rendered":"Complete Guide to Loan Application &amp; Initial LE [Mortgage Guide Ep. 2]"},"content":{"rendered":"\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n\n\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n<div style=\"\n    background-color:#F5FBF7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <h3 style=\"margin-top:0; margin-bottom:12px; font-size:18px;\">\n        \ud83d\udcdd Loan Application &#038; Initial LE: 3-Line Summary<\/strong>\n    <\/h3>\n    <ul style=\"padding-left:20px; margin:0;\">\n        <li>This stage marks the beginning of your official mortgage application and the first moment you see your loan terms expressed in real numbers.<\/li>\n        <li>The lender issues the Initial Loan Estimate (Initial LE), and you formally confirm your intent to proceed by signing the Intent to Proceed (ITP).<\/li>\n        <li>By preparing documents correctly, reviewing the LE, and signing the ITP at the right time, you can significantly speed up underwriting, appraisal, and closing.<\/li>\n    <\/ul>\n<\/div>\n\n\n\n<p>Once you understand the three key points of the Loan Application &amp; Initial LE stage, plus the \u201cZero Fee Rule,\u201d this step becomes much less intimidating. Today, we\u2019ll explain how to pass the document review on the first try and how to time your ITP signature to protect your money.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-7.png\" alt=\"Loan Application &amp; Initial LE\" class=\"wp-image-12858\" style=\"width:845px\"\/><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-loan-application-amp-initial-le-the-beginning-of-your-official-application\" style=\"font-size:24px\"><strong>1. Loan Application &amp; Initial LE: The Beginning of Your Official Application<\/strong><\/h2>\n\n\n\n<p>This stage may look complicated, but you really only need to remember three steps: Application \u2192 Initial Loan Estimate (LE) \u2192 Intent to Proceed (ITP).<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-3-step-process\"><strong>\u2705 3-Step Process<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table loaningen-table is-wide-20\"><table><thead><tr><th>Step<\/th><th>Description<\/th><\/tr><\/thead><tbody><tr><td>Application<\/td><td>You officially submit your income, assets, identification, debts, and property information to the lender.<\/td><\/tr><tr><td>Initial LE<\/td><td>You receive the Initial Loan Estimate, which outlines your preliminary loan terms and costs.<\/td><\/tr><tr><td>ITP<\/td><td>If you agree with the estimate, you sign the ITP to move forward.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-cyan-bluish-gray-color has-alpha-channel-opacity has-cyan-bluish-gray-background-color has-background\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-required-documents\" style=\"font-size:24px\"><strong>2. Required Documents<\/strong><\/h2>\n\n\n\n<p>If your documents keep getting rejected, the issue is usually the format, not the content. Be sure to check the tips below.<\/p>\n\n\n\n<p><strong>[1] Required for All Borrowers<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Document<\/th><th>Type<\/th><th>Purpose<\/th><\/tr><\/thead><tbody><tr><td>Government ID<br>SSN Verification<br>Green Card\/Visa (if applicable)<\/td><td>Identification<\/td><td>Verifies the borrower\u2019s identity.<\/td><\/tr><tr><td>Purchase Agreement<\/td><td>Real Estate Contract<\/td><td>Confirms which property the borrower is buying and at what price.<\/td><\/tr><tr><td>Bank Statements<\/td><td>Bank Transaction Records<\/td><td>Last 2 months. Verifies funds for the earnest money and down payment.<\/td><\/tr><tr><td>Credit Report<\/td><td>Credit Check<\/td><td>Assesses the borrower\u2019s eligibility for a mortgage.<br>(Consent needed)<\/td><\/tr><tr><td>Borrower Certification<\/td><td>Consent Form<\/td><td>Confirms the borrower\u2019s consent for credit checks and income\/asset verification.<\/td><\/tr><tr><td>EMD Receipt<\/td><td>Proof of Funds<\/td><td>Verifies the EMD and activates the contract.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Tips: \u2460 Mobile screenshots are not accepted. Download the original PDF from your bank. <br>\u2461 Submit all pages of the past 2 months of statements, even blank pages (e.g., if it says \u201c1 of 5,\u201d you must upload all 5).<\/figcaption><\/figure>\n\n\n\n<p><strong>[2] For a W-2 employee<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Document<\/th><th>Type<\/th><th>Purpose<\/th><\/tr><\/thead><tbody><tr><td>Pay Stubs<\/td><td>Payroll Statements<\/td><td>Last 30 days. Verifies income stability and helps determine loan eligibility\/amount.<\/td><\/tr><tr><td>Form W-2 or Tax Return<\/td><td>Annual Income Report<\/td><td>Last 2 years. Checks credit score and debt-to-income ratio (DTI).<\/td><\/tr><tr><td>Verification of Employment (VOE)<\/td><td>Employment Verification<\/td><td>Confirms current employment status when required.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Tip: Make sure your name, employer name, and dates are fully visible on the paystub.<\/figcaption><\/figure>\n\n\n\n<p><strong>[3] For a Self-Employed\/Business Owner<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Document<\/th><th>Applicable To<\/th><th>Purpose<\/th><\/tr><\/thead><tbody><tr><td>Schedule C <br>(Form 1040)<\/td><td>Sole Proprietor<\/td><td>Last 2 years. Verifies personal business income and freelance income.<\/td><\/tr><tr><td>Business Tax Return<\/td><td>Corporation\/Partnership Owners<\/td><td>Last 2 years. Confirms the financial status of the corporation or partnership.<\/td><\/tr><tr><td>Schedule K-1<\/td><td>Shareholders\/Partners<\/td><td>Last 2 years. Shows the portion of business income allocated to the borrower.<\/td><\/tr><tr><td>Profit &amp; Loss Statement (P&amp;L)<\/td><td>Self-Employed<\/td><td>Shows year-to-date business income after the most recent tax filing.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Tip: Preparing your year-to-date P&amp;L on time accelerates the application process.<\/figcaption><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-cyan-bluish-gray-color has-alpha-channel-opacity has-cyan-bluish-gray-background-color has-background\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-initial-loan-estimate-le-what-to-look-for\"><strong>3. Initial Loan Estimate (LE): What to Look For<\/strong><\/h2>\n\n\n\n<p>After your application is submitted, the lender must send the Initial LE within 3 business days, per U.S. TRID regulations. The Initial LE is exactly what it sounds like\u2014a preliminary estimate. It includes:<\/p>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n\u2776 <strong>Estimated Interest Rate<\/strong><br>\n\u2777 <strong>Monthly Payment<\/strong>\n(Principal &#038; interest, plus property tax and homeowners insurance if applicable)<br>\n\u2778 <strong>Estimated Closing Costs<\/strong>\n(Lender fees, title\/escrow fees, government fees, etc.)<br>\n\u2779 <strong>Basic Loan Structure<\/strong>\n(Fixed vs. adjustable rate, 30-year vs. 15-year term, etc.)<br>\n\n<\/div>\n\n\n\n<div style=\"\n    background-color:#F1F7FF;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>\ud83d\udca1 Zero Fee Rule \u2014 No charges before you sign ITP<\/strong>\n    <br>\n    Under TRID, lenders cannot charge you any fees before you:\n\nreceive the Initial LE, and\n\nsign the ITP.\n<\/div>\n\n\n\n<div style=\"\n    background-color:#FFFBEA;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    \ud83d\udca1 Once you finish reviewing the Initial LE, the next critical action is the Intent to Proceed (ITP). <br>\n\n<\/div>\n\n\n\n<div style=\"text-align:center; margin:24px 0;\">\n  <a href=\"https:\/\/loaning.ai?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=mortgage_information&#038;utm_content=loan_process_ep.2\"\n     style=\"\n        display:inline-block;\n        padding:22px 48px;\n        background-color:#2ECC71;\n        color:#FFFFFF;\n        font-size:18px;\n        font-weight:700;\n        border-radius:8px;\n        text-decoration:none;\n     \">\n   Check your rate and loan amount for free\n  <\/a>\n<\/div>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-what-the-itp-intent-to-proceed-means\"><strong>4. What the ITP (Intent to Proceed) Means<\/strong><\/h2>\n\n\n\n<p>After reviewing your Initial LE, you must sign the ITP to officially authorize the lender to begin third-party work such as appraisal and title. If you want a faster closing, signing the ITP promptly is essential.<\/p>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>Q. Why is the ITP important?<\/strong>\n    <br>\n    Without the ITP, the lender cannot order the appraisal or initiate third-party verifications, which delays the entire closing timeline.<br>\n\n<\/div>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>Q. Is the ITP a commitment to buy the home?<\/strong>\n    <br>\n    No. It simply means you agree with the loan estimate, not that you are legally obligated to purchase the property.\n<\/div>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>Q. What should I check before signing the ITP?<\/strong>\n    <br>\n    Make sure the interest rate, monthly payment, and closing costs match what you discussed with your loan officer.\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quick-checklist\" style=\"font-size:24px\"><strong>\ud83d\udcdd Quick Checklist<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1394\" height=\"902\" src=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Loan_Application_LE-1.png\" alt=\"\" class=\"wp-image-5816\" style=\"width:845px\" srcset=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Loan_Application_LE-1.png 1394w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Loan_Application_LE-1-300x194.png 300w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Loan_Application_LE-1-1024x663.png 1024w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Loan_Application_LE-1-768x497.png 768w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Loan_Application_LE-1-750x485.png 750w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Loan_Application_LE-1-1140x738.png 1140w\" sizes=\"auto, (max-width: 1394px) 100vw, 1394px\" \/><figcaption class=\"wp-element-caption\">Loan Application &amp; Initial LE<\/figcaption><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table loaningen-table is-wide-right\"><table><thead><tr><th>Checklist<\/th><th>Checklist<\/th><\/tr><\/thead><tbody><tr><td>Document Upload<\/td><td>Have you uploaded the requested income and asset documents in PDF format?<\/td><\/tr><tr><td>Initial LE Confirmation<br>ITP Signing<\/td><td>Have you reviewed the interest rate and fees listed in the Initial LE?<\/td><\/tr><tr><td>ITP Signing<\/td><td>Have you completed the E-signature of the ITP (the faster, the better!)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.2\" style=\"background-color:#49cf7e\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><strong>Get your initial Loan Estimate (LE) \u2014 zero fees<\/strong><\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Loan Application &#038; Initial LE: 3-Line Summary This stage marks the beginning of your official mortgage application and the first moment you see your loan terms expressed in real numbers. The lender issues the Initial Loan Estimate (Initial LE), and you formally confirm your intent to proceed by signing the Intent to Proceed (ITP). [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":5834,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[438],"tags":[],"class_list":["post-5803","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.6 (Yoast SEO v24.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Complete Guide to Loan Application &amp; Initial LE [Mortgage Guide Ep. 2]<\/title>\n<meta name=\"description\" content=\"Confused about Loan Application &amp; Initial LE? Learn how to prepare documents, review your Initial LE, and sign the ITP with zero fees.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.loaning.ai\/en\/5803\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Complete Guide to Loan Application &amp; Initial LE [Mortgage Guide Ep. 2]\" \/>\n<meta property=\"og:description\" content=\"Confused about Loan Application &amp; Initial LE? 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