Loan Documents
The list below includes common items that are required to obtain home loan financing. These items help verify the information on your application and are required to make a credit decision.
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Needed For All Loans
Social Security Number
For borrower and co-borrower, if any
Employment History
Current pay stubs or W-2 forms for the last two years
Employment dates, addresses, and salary
Checking and Savings Accounts and Certificates of Deposit
Location of bank accounts, account numbers, and balances
Address of bank, if out of town
Last 3 months of statements
Stocks, Bonds, and Investment Accounts
Broker’s name and address
Description of stocks, bonds, etc.
Last 3 months of statements or copies of stock certificates
Life Insurance Policies
Insurance company, policy number, face amount, and cash value, if any
Retirement Plan
Approximate vested interest value
Copy of latest statement
Automobiles
Make and model of automobiles, including resale value
Other Assets
Market value of personal and household property
Liabilities and Other Non-Mortgage Debt
Creditor names, addresses, account numbers
Monthly payments and balances
Other Income Information
If you’re self-employed:
Two years of tax returns, profit and loss statements, both company and personal if separate
Current balance sheet and profit and loss statement, if more than two months into the new fiscal year, signed by CPA
If you have income from*:
- Commission
- Overtime
- Bonus
- Partnership
- Rental Property
- Trust
- Notes Receivable
- Interest/Dividends
*Note: You will need to provide two years of personal federal tax returns.
If employed in family business:
Personal federal income tax returns
All schedules for the past two years
If divorced or separated:
Complete executed divorce decree and settlement agreement
Payment history of alimony/child support over the past 12 months, if a financial obligation
Provide 12 months of canceled checks or bank statements reflecting income deposits (if you choose to have this be considered as part of your income)
Real Estate
If you own real estate:
Name and address of all lenders for the past 24 months, account numbers, monthly payments, and balances
If you’ve sold your home but not closed:
Copy of the sales contract
If you’ve sold your home, closed, and you will use the proceeds for your new down payment:
Copy of the HUD-1 Uniform Settlement Statement
Purchasing a Home
If a source of you’re purchasing a home:
Purchase sales contract or offer to purchase and all addenda
Furnish contract with original signatures of buyer and seller
If a source of your down payment is a gift*:
Name, address, and relationship to donor
*Note: Gift funds will be verified in both the donor and recipient’s accounts. Not all loan programs allow gifts to be part of your down payment.
For FHA Financing
Evidence of Social Security Number and photo identification
For VA Financing
DD214 and Certificate of Eligibility
For Construction/ Perm Loan
Signed construction with cost breakdown, builder plan, and specifications