Most people think getting a home loan approved depends entirely on the bank—but the truth is, it starts with you. A clear, complete, and well-prepared loan application can make all the difference between a fast approval and a frustrating delay.
At Matchmo, we help hundreds of Filipinos submit bank-ready applications every month. Here's our complete guide to help you do it right the first time:
Each bank has its own checklist, but here are the non-negotiables:
Matchmo Tip: Requirements vary by lender, so working with a broker ensures you don't miss anything critical.
Lenders look at your documents as a reflection of your reliability. Disorganized files, unclear income flow, or missing data = risk.
Checklist to Prep:
Don't overstate. Don't guess. Income inconsistencies between documents are a common rejection reason.
Pro Tip: If you have sideline income (commissions, online business, remittances), document it properly. Declare what can be backed up.
A short, clear letter of intent adds context to your application. It explains:
Why It Matters: Banks want to understand the full picture. A well-written letter shows clarity, intent, and stability.
Even strong applicants get denied due to avoidable errors:
Skip the guesswork. With Matchmo, you can:
✅ Pre-qualify for free
✅ Get matched with the right bank
✅ Upload documents via app
✅ Work with a licensed broker who checks everything before it reaches the bank
Ready to apply with confidence?
Let a Matchmo expert guide your home loan application—so you get it right the first time.
