Documents needed

Purchasing a home can be a complex process, but knowing what you need before you apply for your mortgage can help make the mortgage process smooth and stress-free. Here’s what you will need to have available when applying for a home loan:

• Government Issued Photo ID

• For Home Purchase Loans:

  • Sales contract (all addendums) with original purchase agreement

• Residency:

  • Complete address for each residence you’ve resided at during the past 24 months

  • For Renters: Landlord information (name, address, and phone)

• Employment:

  • Name(s), address(es), and phone numbers of all employers for the last two years (past and present) and dates worked

• Income:

  • Past two years W-2 or 1099 forms

  • Last 30 days pay stubs (including bonus and/or commission pay)

  • Past 2 years complete tax returns (all schedules)

  • Business returns for borrowers that own more than 25% of a business

• Assets:

  • Two months original bank statements (all pages) on all checking, savings, money market, IRA, mutual fund and brokerage (stock) accounts may need to be provided

• Rental Properties:

  • Copies of fully executed lease, if applicable

• VA Loans:

  • Copy of DD214’s to obtain your certificate of eligibility