Paperwork Needed
Having your documents ready helps your loan move faster. Here's what most lenders ask for. Your loan officer will tell you exactly what your file needs.
Everyone
- Government-issued photo ID
- Most recent 30 days of pay stubs
- W-2s for the last two years
- Two most recent months of bank and asset statements (all pages)
- Current mortgage statement and homeowners insurance, if you own a home
- Explanations for any recent credit inquiries or late payments, if asked
If you're self-employed
- Personal and business tax returns for the last two years (or 12-24 months of bank statements for a bank statement loan)
- A year-to-date profit and loss statement, if requested
If it applies
- Divorce decree, child support or alimony documents
- Social Security, pension or disability award letters
- Rental leases for properties you own
- Gift letter and donor bank statement, if family is helping with the down payment
- VA Certificate of Eligibility (we can usually order it for you)
Upload documents only through your secure online application, never by regular email.