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Every situation is a little different, but most borrowers will need some combination of the following:
Income & Employment
- Recent pay stubs
- W-2s (typically last 2 years)
- Tax returns (if applicable)
- Employer contact information
If you’re self-employed, additional documentation may be needed.
Assets & Accounts
- Bank statements (checking and savings)
- Investment or retirement account statements
- Documentation for any large deposits
Identification
- Driver’s license or government-issued ID
- Social Security Number
Property Information (if applicable)
- Purchase agreement (for home purchase)
- Property details or listing information
- Homeowner’s insurance information
Other items that may be needed
Depending on your situation, we may also ask for:
- Gift letters (if receiving funds from family)
- Divorce decree or legal agreements
- Rental or property income documentation
We’ll let you know exactly what applies to you.
How to make this easier
- Gather documents before starting your application
- Keep digital copies handy
- Respond quickly to document requests
- Ask questions if anything is unclear
The more prepared you are, the smoother the process.