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In general, the documentation you will need includes:

– Check for application fee

Property Information (if you already have a contract on a house)

– Purchase Agreement.

– Copy of legal description and MLS sheet.

– If you are selling your current home, copy of listing contract.

– If you have sold your current home, copy of settlement statement (HUD-1).

Income & Assets

– Pay stubs for the last 30 days.

For the past two years:

– Names and addresses of each employer.

– W-2s

– Statements for each bank, mutual fund, and/or investment account for the last three months.

– Estimated value of personal property and furniture.

If you have made any large deposits to your accounts:

– Explanation and source for deposit.

If large deposit was a gift:

– Signed gift letter (lender can supply).

– Copy of gift check.

– Copy of deposit receipt.

If you own more than 25% of a business:

– Corporate or partnership tax returns.

If self-employed:

– Tax returns for the last three years (with schedules).

– Year-to-Date Profit and Loss Statement prepared by an accountant.

If you own rental property:

– Tax returns for the last two years and current rental agreements.

If you are retired:

– Pension Award Letter.

If you receive Social Security:

– Social Security Award Letter.

If you are counting child support as income:

– Copy of divorce settlement.

– Copy of twelve months of cancelled child support checks.


– Names, addresses, account numbers, balances and monthly payments on all current loans.

– Explanation of credit report anomalies, including:

– Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.

– Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

VA Loans

– Copy of DD Form 214, Report of Separation.


– Photo ID and proof of Social Security number.

– Residence addresses for the past two years.

– If applicable, a copy of your divorce decree.

– If you are not a citizen, a copy of the front and back of your green card.