THE BASICS

• Full name
• Date of Birth
• Social Security Number
• Address of your primary residence for the last 2 years

PERSONAL FINANCES

• Pay stubs or proof of direct deposit
• Employment history for the past 2 years
• Bank or asset statements from the last 2 months
• Federal W-2’s (Wage and Tax Statement) from the last 2 years
• A copy of your offer letter or contract (if starting a new job)
• Social Security, pension or retirement benefit award letter (if applicable)
• Veterans Affairs Certificate of Eligibility (for VA loans only)
• Proof of alimony, child support or separate maintenance income (if using to qualify)
• Federal tax returns from the last 2 years
• A copy of the divorce decree or separation agreement (if applicable)

IF SELF-EMPLOYED

• Individual, corporate or partnership tax returns from the last 2 years, including all schedules (federal only)
• A current profit and loss statement showing year–to–date revenues and expenses (if applicable)

CREDIT INFO (documents are required only if applicable to your situation)

• Verification of rent or canceled rent checks
• A written explanation of any recent credit report inquiries or late payments on your credit report
• Address(es) of all real estate you own and mortgage lender information
• Bankruptcy discharge and schedule of creditors
• Alimony, child support or separate maintenance payment amount

PROPERTY INFO (not required for pre-approval requests)

• Address and sales price of the purchase property
• A copy of the signed purchase agreement
• Verification of the source of down payment funds
• Your homeowner’s insurance agent’s contact information
• Property type (single-family home, condominium, townhouse, etc.)
• A copy of the canceled earnest money deposit check and verification that it cleared