✔ General Documents Needed (for all borrowers)

• Copy of unexpired picture ID (driver’s license, passport, visa, military ID, etc.)

• Most recent 2 months bank statements — ALL pages

• Most recent 2 months brokerage statements — ALL pages

• Most recent 2 months retirement statements — ALL pages

• Terms of withdrawal for retirement accounts

• Executed purchase contract with all addenda (if applicable)

• Documentation for any large/non-payroll deposits

• Homeowners insurance policy (refinance) OR agent info for purchase

• Gift funds documentation (if applicable — varies by program)

• Copy of earnest money check (cleared check may be required)

• Copy of Social Security card

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✔ Salaried Borrowers

• 30 days of most recent pay stubs (all jobs)

• W-2s, 1099s, and/or K-1s for past 2 years

• 2 years personal tax returns with ALL schedules (if filed separately)

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✔ Self-Employed Borrowers

(Own at least 25% of a business)

• 2 years business tax returns with ALL schedules

• YTD profit & loss statement and balance sheet

• W-2, 1099, or K-1 forms for past 2 years

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✔ Other Items (As Applicable)

• School transcripts (employed less than 2 years)

• Social Security award letter (current year)

• 30-day pension or retirement statements

• Child support/alimony agreement + 6 months proof of receipt

• New construction: plans & specs

• VA Loans: DD214, Statement of Service, child-care letter

• Landlord contact info (if renting)

• Legal obligations not on credit report (divorce decree, private loans, etc.)

• Co-signer loans: 12 months cancelled checks showing other party pays

• Deferred student loan documentation (varies by loan program)

• Proof of lawful residency/work authorization (EAD, visa)

• Letters of explanation: credit inquiries, name/address variations

• Bankruptcy, judgment, or foreclosure documentation

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✔ If You Own Other Real Estate

• Lease agreements for rental properties

• Most recent mortgage statement(s)

• Recent tax, insurance, and HOA documents

• Listing agreement or executed contract for home being sold

• Final closing statement when available