Most borrowers
- Photo ID
- Pay stubs from the last 30 days
- W-2s from the last two years
- Bank statements from the last two months (all pages)
- Statements for retirement or investment accounts you'll use
- Information on any other income, such as Social Security, a pension, or child support
If you're self-employed
- Personal and business tax returns from the last one or two years, or
- 12 or 24 months of personal or business bank statements, if you're using a bank statement loan
- A business license or a letter from your CPA, depending on the program
If you own other real estate
- Mortgage statements, insurance, and property tax bills
- Leases for any rental properties
Other items we may ask for
- A gift letter, if family is helping with your down payment
- Divorce or child support paperwork, if it applies
- An explanation for recent large deposits
Frequently asked questions
How do I send documents?
We'll give you a secure portal. Please don't email Social Security or account numbers.
What if I'm missing something?
Start anyway. We'll tell you exactly what's needed.