To apply for a home loan, you’ll need to provide your Mortgage Banker and underwriting team with documentation to help verify: employment history, creditworthiness, and your overall financial situation. If you are applying with someone else (co-borrower, such as a spouse), they will also have to provide the same documents. Be prepared to provide the following:



  • Most recent paystubs for one month
  • W-2s for the past two years
  • All pages and schedules of your last two years personal Federal tax returns
  • If self-employed, all pages and schedules of your last two years business tax returns and corporate K-1s
  • If retired, benefit award letters, last two years 1099s and all pages and schedules of last two years personal Federal tax returns
  • If any rental income is received, a copy of your current lease agreement and mortgage statement
  • If VA or active duty personnel, a copy of your Statement of Service Letter and Off Base Housing Authority Letter



  • All pages of your most recent two months statements for all accounts, including all checking, savings, stocks, IRA, 401k, etc. The statements must include your name, account number and the name of the financial institution.
  • If funds to close will come from a gift, complete the gift letter and the following:
    • From the donor: bank statements showing the funds in the donor’s account and a copy of the check from the donor’s account
    • From the borrower: a copy of the deposit slip showing the gift check deposited into your account
  • If funds to close will come from the sale of a home, copy of HUD-1 from sale of the home and deposit slip showing proceeds deposited into bank account



  • Copy of driver’s license and social security card
  • Copy of divorce decree (if applicable)
  • Copy of bankruptcy papers, including all schedules and discharges, and credit explanation letter for reason for bankruptcy (if applicable)
  • Letter of explanation on any late payments, collections, charge-offs, or derogatory credit
  • Letter of explanation for all recent credit inquiries
  • If VA, Certificate of Eligibility or copy of DD214



  • Copy of the signed Purchase and Sales Agreement
  • Homeowners insurance agent’s name, address and phone number for the subject property
  • For refinance, copy of note and mortgage statement from the current lender showing the account number
  • If retaining current residence, a mortgage statement showing that taxes and insurance are included in your monthly payment
  • If currently renting, your landlord’s name, phone number and address, and 12 months cancelled rent checks will be necessary if from a private landlord
  • If living with a family member, letter stating you live rent-free

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