Paperwork Needed

To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Be prepared to provide:

  • Social Security numbers for both you and any co-borrowers 

  • Copies of checking and savings accounts statements for the past two months 

  • Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program) 

  • Recent paycheck stubs 

  • W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment 

  • The name and address of someone who can verify your employment 

  • Residence history for the past two years 

  • Sales contract for the purchase of a new home 

  • Homeowner's association information with contact information if property is a condo or part of a homeowner's association