You do not need every document before asking questions. A short, organized overview can make the first conversation far more productive.
Your income story
Be ready to explain how you earn income, especially if you are self-employed, receive bonuses or commissions, or own investment property.
Your property plan
Share the type of property, intended use, timing and any renovation or occupancy plans that could affect financing.
Your priorities
Identify what matters most: cash required, monthly payment, certainty, flexibility, speed or a future exit strategy.
This week’s action: Create a one-page summary of your goals, timing, income sources and available funds. Keep sensitive account numbers out of ordinary email.