Please be prepared to provide:

• A government-issued photo ID, such as a driver’s license, passport, or state ID

• Your Social Security number

• Your date of birth

These items are used for identity verification, tax reporting, and credit review.

For employed borrowers:

• Pay stubs from the most recent 2–3 months

• W-2 forms from the past 2 years

• Employer contact information for verification of employment

For self-employed borrowers:

• Personal and business tax returns from the past 2 years

• A year-to-date profit and loss statement

• Business license or proof of business ownership

To verify available funds, we may need:

• Recent statements for checking, savings, retirement, and investment accounts from the past 2–3 months

• Documentation for any large or unusual deposits

Your lender will typically pull your credit report, but additional information may be requested, including:

• Letters of explanation for late payments, collections, bankruptcies, or other credit issues

If you have additional assets, please provide:

• Statements for retirement accounts, stocks, bonds, or other investments

• Gift letters if funds are being provided by a family member or friend for your down payment or closing costs

We may also need details about your current financial obligations, including:

• A list of current debts such as car loans, student loans, credit cards, or other mortgages

• Recent statements for those accounts

If you are already under contract on a home, please be prepared to provide:

• A fully executed purchase agreement

• Homeowners insurance information

• Any available property details that may help with processing

The appraisal will typically be ordered by your lender.

Depending on your situation, additional documents may be required, such as:

• Divorce decree or separation agreement

• Documentation for alimony or child support

• Bankruptcy discharge paperwork and explanation

• Rent payment history for the past 12 months