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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


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


Landlord Information

Name, address, and phone number of landlords for the past 24 months

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


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