Application
Ready to apply?
Let's make it easy.
Apply for a mortgage or get pre-approved online — on your schedule, at your pace. No pressure. Just a clear, guided process backed by Ryan and the Work Hard team.
How It Works
Three simple steps
Complete Your Application
Answer questions about your income, employment, assets, and the home you want to buy.
Upload Documents
W-2s, pay stubs, bank statements — the portal walks you through exactly what's needed.
Get Pre-Approved
Once reviewed, you'll receive your pre-approval letter — your key to making offers.
Why Work Hard Mortgage
NMLS #2396714 — Licensed in Utah · Equal Housing Opportunity
5-star reviews on Google and Mortgage Matchup
Fast pre-approvals — typically within 24 hours
Educational, honest guidance — not pushy sales
Common Questions
What to expect
How long does it take?
Most applications take 15–20 minutes. Pre-approval decisions typically come within 24 business hours.
Does applying affect my credit?
A formal application involves a credit pull. We'll discuss timing with you beforehand so nothing catches you off guard.
What documents will I need?
Generally: 2 years of W-2s and tax returns, 30 days of pay stubs, 2–3 months of bank statements, and a government-issued ID.
I'm not sure I'm ready — is it too early?
Not at all. Starting the application is a great way to learn exactly where you stand, even if you're 6–12 months away from buying.