{"id":6220,"date":"2026-02-03T07:28:35","date_gmt":"2026-02-03T15:28:35","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=6220"},"modified":"2026-02-03T08:02:27","modified_gmt":"2026-02-03T16:02:27","slug":"2026-pre-approval","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/6220\/","title":{"rendered":"2026 Pre-Approval: Required Mortgage Documents"},"content":{"rendered":"\n<p>When starting your 2026 pre-approval or formal loan application, many buyers feel lost as documents pile up in their inbox. An email asks for your signatu&#8230; but what is this document? Why is it asking for credit card authorization? The uncertainty can be stressful.<\/p>\n\n\n\n<p>That\u2019s why <strong><a href=\"https:\/\/loaning.ai?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=mortgage_information&amp;utm_content=2026_loan_process_step_1\" target=\"_blank\" rel=\"noreferrer noopener\">Loaning.ai<\/a><\/strong> is breaking down the <strong>six critical documents<\/strong> you must complete in <strong>Step 1<\/strong> of the mortgage process\u2014clearly and in detail. \ud83d\udd25<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/shutterstock_158522279-1024x389.jpg\" alt=\"\" class=\"wp-image-13078\"\/><\/figure>\n<\/div>\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-why-you-should-start-loan-setup-now-2026-pre-approval\" style=\"font-size:24px\"><strong>Why You Should Start Loan Setup Now \u2014 2026 Pre-approval<\/strong><\/h2>\n\n\n\n<p>Think of Loan Setup as finalizing architectural plans and permits before you build a house.<\/p>\n\n\n\n<p>This is the stage where your <strong>loan structure<\/strong> is entered into the system and legally required cost estimates are issued\u2014officially asking:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e38e6e4a6896d6201453d078bedf7d6a\">\u201cDo you want to proceed under these terms?\u201d<\/p>\n<\/blockquote>\n\n\n\n<p>Only after your <strong>consent<\/strong> can the lender move forward with underwriting and appraisal orders.<br>This step is essential for protecting your rights as a borrower.<\/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\ud83d\udce2 <strong>Checkpoint:<\/strong>\nWondering how much home you can afford? With updated 2026 loan limits, calculate your estimated borrowing power today.<br>\n\n<\/div>\n\n\n\n<div style=\"text-align:center; margin:24px 0;\">\n  <a href=\"https:\/\/loaning.ai\/loan-limits?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=mortgage_information&#038;utm_content=2026_loan_process_step_1\"\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  \ud83d\udc49 Check 2026 Conforming Loan Limits\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-step-1-6-required-documents-for-2026-pre-approval\" style=\"font-size:24px\"><strong>Step 1: 6 Required Documents for 2026 Pre-approval<\/strong><\/h2>\n\n\n\n<p>In this stage, borrowers review and sign <strong>six documents<\/strong>, usually through <strong>DocuSign<\/strong> for convenience.<br>Let\u2019s walk through each one.<\/p>\n\n\n\n<style>\n    \/* \uc804\uccb4 \ucee8\ud14c\uc774\ub108 \ubc0f \uc88c\uce21 \uc815\ub82c \uc124\uc815 *\/\n    .loan-info-container {\n        font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, system-ui, Roboto, sans-serif;\n        line-height: 1.6;\n        color: #333;\n        max-width: 900px;\n        margin: 0 auto;\n        text-align: left; \/* \uc804\uccb4 \uc88c\uce21 \uc815\ub82c *\/\n    }\n\n    \/* \ud56d\ubaa9\ubcc4 \uc81c\ubaa9 \uc601\uc5ed *\/\n    .loan-header {\n        display: flex;\n        align-items: center;\n        gap: 8px;\n        margin-top: 30px;\n        margin-bottom: 12px;\n    }\n\n    .loan-title {\n        font-size: 1.1rem;\n        font-weight: 700;\n        margin: 0;\n    }\n\n    \/* \ud68c\uc0c9 \ubc15\uc2a4 \uc601\uc5ed (#F7F7F7) *\/\n    .loan-gray-box {\n        background-color: #F7F7F7; \/* \uc694\uccad\ud558\uc2e0 \uc0c9\uc0c1 \uc801\uc6a9 *\/\n        border-radius: 12px;\n        padding: 20px 25px;\n        margin-bottom: 15px;\n    }\n\n    \/* \ubc15\uc2a4 \ub0b4\ubd80 \ub9ac\uc2a4\ud2b8 \uc2a4\ud0c0\uc77c *\/\n    .loan-gray-box ul {\n        list-style: none;\n        padding: 0;\n        margin: 0;\n    }\n\n    .loan-gray-box li {\n        margin-bottom: 8px;\n        position: relative;\n        padding-left: 18px;\n        text-align: left;\n    }\n\n    \/* \ubd88\ub81b \ud3ec\uc778\ud2b8 \uc544\uc774\ucf58 (\u2713) *\/\n    .loan-gray-box li::before {\n        content: \"\u2713\";\n        position: absolute;\n        left: 0;\n        color: #666;\n        font-weight: bold;\n    }\n\n    .loan-gray-box li:last-child {\n        margin-bottom: 0;\n    }\n\n    \/* \ud14d\uc2a4\ud2b8 \uac15\uc870 *\/\n    .highlight-bold {\n        font-weight: 700;\n    }\n\n    .star-rank {\n        letter-spacing: 1px;\n    }\n<\/style>\n\n<div class=\"loan-info-container\">\n    <div class=\"loan-header\">\n        <span>\u2460<\/span>\n        <h3 class=\"loan-title\">Uniform Residential Loan Application (URLA)<\/h3>\n    <\/div>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">What it includes:<\/span> Name, Social Security Number, income, assets, and current address.<\/li>\n            <li><span class=\"highlight-bold\">Check carefully:<\/span> Confirm all details with your loan officer\u2014one typo in your legal name can delay everything later.<\/li>\n        <\/ul>\n    <\/div>\n\n    <div class=\"loan-header\">\n        <span>\u2461<\/span>\n        <h3 class=\"loan-title\">Borrower Authorization &#038; Certification<\/h3>\n    <\/div>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">Purpose:<\/span>\nYou are authorizing the lender to verify your employment, contact the IRS for income records, and confirm the information you submitted.<\/li>\n            <li><span class=\"highlight-bold\">How it\u2019s signed:<\/span>\nTypically via DocuSign\u2014fast, secure, and legally binding.<\/li>\n        <\/ul>\n    <\/div>\n\n    <div class=\"loan-header\">\n        <span>\u2462<\/span>\n        <h3 class=\"loan-title\">Initial Loan Estimate (LE)<span class=\"star-rank\">\u2605\u2605\u2605<\/span><\/h3>\n    <\/div>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">What is it?:<\/span> After the 2008 financial crisis, the government created this standardized form to protect consumers. It clearly discloses the interest rate, monthly payment, and total closing costs\u2014without hidden charges.\n \n<\/li>\n            <li><span class=\"highlight-bold\">Why is it important?:<\/span> You need this document to objectively compare costs across different lenders (to &#8220;shop around&#8221;). During the 2026 pre-approval process, it also serves as a baseline for estimating your overall expenses.<\/li>\n        <\/ul>\n    <\/div>\n\n    <div class=\"loan-header\">\n        <span>\u2463<\/span>\n        <h3 class=\"loan-title\">Intent to Proceed<\/h3>\n    <\/div>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">Meaning:<\/span> After reviewing the Loan Estimate (LE) and confirming the terms, the borrower officially tells the lender, \u201cYes, I would like to proceed with the loan under these costs and conditions.\u201d<\/li>\n            <li><span class=\"highlight-bold\">Important:<\/span> The borrower must sign at this stage for the lender to order the appraisal or charge underwriting-related fees. In other words, if this is not signed, nothing moves forward.<\/li>\n        <\/ul>\n    <\/div>\n\n    <div class=\"loan-header\">\n        <span>\u2464<\/span>\n        <h3 class=\"loan-title\">Credit Card Authorization Form<\/h3>\n    <\/div>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">Purpose:<\/span> To pay for <strong>third-party fees<\/strong> incurred during the loan process.\n                <br>1. Credit Report Fee: Paid to the credit reporting agency.\n                <br>2. Appraisal Fee: Paid to an outside appraiser who evaluates the home\u2019s value.<\/li>\n            <li><span class=\"highlight-bold\">Don\u2019t worry:<\/span> These are not lender profits\u2014only the disclosed amounts are charged in advance.<\/li>\n        <\/ul>\n    <\/div>\n\n    <div class=\"loan-header\">\n        <span>\u2465<\/span>\n        <h3 class=\"loan-title\">Purchase Contract<\/h3>\n    <\/div>\n    <p style=\"margin-bottom: 10px; font-size: 0.95rem;\">If you have already found a home and your offer has been accepted, you must submit a copy of the Purchase Agreement.<\/p>\n    <div class=\"loan-gray-box\">\n        <ul>\n            <li><span class=\"highlight-bold\">Role:<\/span> Required for entering accurate details into the system, such as the property address, purchase price, escrow period, and seller information.<\/li>\n        <\/ul>\n    <\/div>\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-2026-pre-approval-is-a-race-against-time\" style=\"font-size:24px\"><strong>2026 Pre-approval Is a Race Against Time<\/strong><\/h2>\n\n\n\n<p>Next year\u2019s housing market is expected to move fast.<\/p>\n\n\n\n<p>Many buyers delay signing Step 1 documents while watching interest rates\u2014but the real start of your loan happens once you receive the LE and sign the Intent to Proceed.<\/p>\n\n\n\n<p>Delays here mean:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Appraisals get pushed back<\/li>\n\n\n\n<li>Underwriting stalls<\/li>\n\n\n\n<li>You may miss closing deadlines<\/li>\n\n\n\n<li>You could lose the home entirely<\/li>\n<\/ul>\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>\u2705 Why Loaning\u2019s Step1 Process Is Different<\/strong>\n    <br>\n    \u2713 Clear explanations \u2014 We don\u2019t just say \u201csign here.\u201d We walk you through every LE line in Korean.<br>\n\n\u2713 100% digital \u2014 No paperwork. Everything is signed via email and smartphone.\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-apply-for-your-2026-pre-approval-today\" style=\"font-size:24px\"><strong>Apply for Your 2026 Pre-approval Today<\/strong><\/h2>\n\n\n\n<p>Check your optimal loan options in just one minute\u2014with a <strong>soft credit pull<\/strong> that won\u2019t lower your score.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/02\/loaning-1.png\" alt=\"\" class=\"wp-image-6224\" srcset=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/02\/loaning-1.png 1536w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/02\/loaning-1-300x200.png 300w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/02\/loaning-1-1024x683.png 1024w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/02\/loaning-1-768x512.png 768w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/02\/loaning-1-750x500.png 750w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/02\/loaning-1-1140x760.png 1140w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><\/figure>\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=2026_loan_process_step_1\"\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  \ud83d\udc49 Check Your Rate on Loaning.ai\n  <\/a>\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-loan-setup-documents-at-a-glance\" style=\"font-size:24px\"><strong>Loan Setup Documents at a Glance<\/strong><\/h2>\n\n\n\n<div style=\"overflow-x: auto; padding: 20px 0;\">\n    <style>\n        .custom-loan-table {\n            width: 100%;\n            border-collapse: separate;\n            border-spacing: 0;\n            border: 2px solid #a5d6a7;\n            border-radius: 15px;\n            overflow: hidden;\n            font-family: 'Pretendard', sans-serif;\n            font-size: 15px;\n            color: #333;\n        }\n\n        .custom-loan-table th {\n            background-color: #f9f9f9;\n            padding: 15px;\n            border-bottom: 1px solid #eee;\n            font-weight: 700;\n            text-align: center;\n        }\n\n        .custom-loan-table td {\n            padding: 18px 15px;\n            border-bottom: 1px solid #eee;\n            line-height: 1.6;\n            vertical-align: middle;\n        }\n\n        .custom-loan-table tr:last-child td {\n            border-bottom: none;\n        }\n\n        \/* \uac01 \uc5f4 \ub108\ube44 \uc124\uc815 *\/\n        .index-col { width: 5%; text-align: center; font-weight: bold; }\n        .title-col { width: 20%; font-weight: bold; color: #2e7d32; }\n        .content-col { width: 65%; }\n        .check-col { width: 10%; text-align: center; }\n\n        \/* \uccb4\ud06c\ubc15\uc2a4 \uc2a4\ud0c0\uc77c \ud06c\uae30 \uc870\uc815 *\/\n        .loan-checkbox {\n            width: 20px;\n            height: 20px;\n            cursor: pointer;\n            accent-color: #2e7d32; \/* \uccb4\ud06c \uc2dc \uc0c9\uc0c1 *\/\n        }\n\n        .star-rank { color: #fbc02d; font-weight: bold; }\n        .highlight { color: #d32f2f; font-weight: bold; }\n    <\/style>\n\n    <table class=\"custom-loan-table\">\n        <thead>\n            <tr>\n                <th class=\"index-col\">No.<\/th>\n                <th class=\"title-col\">Document<\/th>\n                <th class=\"content-col\">Key Details &#038; Checkpoints<\/th>\n                <th class=\"check-col\">Completed<\/th>\n            <\/tr>\n        <\/thead>\n        <tbody>\n            <tr>\n                <td class=\"index-col\">1<\/td>\n                <td class=\"title-col\">URLA (Loan Application)<\/td>\n                <td>The standard mortgage application form. Check basic details such as the spelling of your English name.<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"index-col\">2<\/td>\n                <td class=\"title-col\">Borrower Authorization<\/td>\n                <td>A form granting the lender permission to verify employment and income. Usually completed via <strong>DocuSign<\/strong>.\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"index-col\">3<\/td>\n                <td class=\"title-col\">Initial Loan Estimate (LE)<span class=\"star-rank\">\u2605\u2605\u2605<\/span><\/td>\n                <td>The most important document. Used to objectively compare interest rates and closing costs.<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"index-col\">4<\/td>\n                <td class=\"title-col\">Intent to Proceed<\/td>\n                <td>The step where you officially agree to move forward with the loan after reviewing the LE. Signature is required.<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"index-col\">5<\/td>\n                <td class=\"title-col\">Credit Card Authorization Form<\/td>\n                <td>Authorization to pay <strong>third-party fees<\/strong> such as credit report and appraisal costs.<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n            <tr>\n                <td class=\"index-col\">6<\/td>\n                <td class=\"title-col\">Purchase Contract<\/td>\n                <td>A document needed for entering the purchase price and property address accurately. (Can be omitted during the pre-approval stage.)<\/td>\n                <td class=\"check-col\"><input type=\"checkbox\" class=\"loan-checkbox\"><\/td>\n            <\/tr>\n        <\/tbody>\n    <\/table>\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=2026_loan_process_step_1\"\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  \ud83d\udc49 Ask Questions Instantly via Chat\n  <\/a>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When starting your 2026 pre-approval or formal loan application, many buyers feel lost as documents pile up in their inbox. An email asks for your signatu&#8230; but what is this document? Why is it asking for credit card authorization? The uncertainty can be stressful. That\u2019s why Loaning.ai is breaking down the six critical documents you [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":6221,"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-6220","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>2026 Pre-Approval: Required Mortgage Documents - Loaning.AI Blog<\/title>\n<meta name=\"description\" content=\"Understand 2026 Pre-Approval, the six required loan documents, and how to prepare faster for your home purchase.\" \/>\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\/6220\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2026 Pre-Approval: Required Mortgage Documents\" \/>\n<meta property=\"og:description\" content=\"Understand 2026 Pre-Approval, the six required loan documents, and how to prepare faster for your home purchase.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/en\/6220\/\" \/>\n<meta property=\"og:site_name\" content=\"Loaning.AI Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-03T15:28:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-03T16:02:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/02\/2401811.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Youngseo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"Youngseo\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"5\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/6220\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/6220\/\"},\"author\":{\"name\":\"Youngseo\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/f12a0a52ed9d610f8b9f6960024fb160\"},\"headline\":\"2026 Pre-Approval: Required Mortgage Documents\",\"datePublished\":\"2026-02-03T15:28:35+00:00\",\"dateModified\":\"2026-02-03T16:02:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/6220\/\"},\"wordCount\":760,\"publisher\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/6220\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/02\/2401811.jpg\",\"articleSection\":[\"Mortgage Guide\"],\"inLanguage\":\"ko-KR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/6220\/\",\"url\":\"https:\/\/blog.loaning.ai\/en\/6220\/\",\"name\":\"2026 Pre-Approval: Required Mortgage Documents - 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