While other items may be needed, this is a list of common documents a lender may request:
Proof of Identity and Residence:
- Driver's license or government-issued ID
- Proof of your current residence (utility bills, lease agreement, etc.)
Proof of Income:
- Pay stubs for the past 2-3 months
- W-2 forms or tax returns for the past 2-3 years
- If self-employed, business tax returns and profit/loss statements
Employment Verification:
- Contact information for your current employer
- Recent pay stubs or an employment verification letter
Credit Information:
- Consent for the lender to pull your credit report
Assets:
- Bank statements for the past 2-3 months to verify savings and checking accounts
- Documentation of any other assets, such as stocks, bonds, or retirement accounts