Required Documents
The following documents may be needed for loan approval. I recommend gathering what applies to your situation so we can move through pre-approval, underwriting, and closing as smoothly as possible.
Identification
- Driver’s license or state-issued photo ID
- Social Security card, if requested
- Permanent resident card or visa, if applicable
- Copy of passport, if requested
Income
- Most recent 30 days of pay stubs
- W-2 forms from the last 2 years
- Most recent 2 years of tax returns, if requested
- Social Security, pension, disability, or retirement award letters, if applicable
- Child support or alimony documentation, if using that income
Assets
- Most recent 2 months of bank statements
- Retirement or investment account statements, if using those funds
- Gift letter, if someone is helping with funds
- Documentation for large deposits, if requested
Self-Employed Borrowers
- Personal tax returns from the last 2 years
- Business tax returns from the last 2 years, if applicable
- Year-to-date profit and loss statement
- Business bank statements, if requested
- Business license or CPA letter, if requested
If Purchasing a Home
- Fully executed purchase contract, once under contract
- Earnest money deposit documentation
- Homeowners insurance quote or agent contact information
- Real estate agent contact information
If Refinancing
- Current mortgage statement
- Homeowners insurance declaration page
- Property tax bill, if requested
- HOA statement, if applicable
- Current payoff information, if requested
VA Loans
- Certificate of Eligibility
- DD-214, if applicable
- Statement of Service, if currently active duty
- VA disability award letter, if applicable
Investment Property / DSCR
- Lease agreement, if property is rented
- Current mortgage statement, if refinancing
- Insurance declaration page
- Entity documents, if closing in an LLC
- Operating agreement, if applicable
Miscellaneous
- Divorce decree or separation agreement
- Bankruptcy discharge papers
- Foreclosure or short sale documentation, if applicable
- Letter of explanation, if requested
Note: You may not be required to provide every document listed here before receiving a loan estimate. Every borrower and loan program is different.