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Documentation for Most Home Loans
Depending on your situation, you will be asked for documentation to support your income, liabilities, and funds to close. This documentation will establish your credibility as a borrower, your ability to repay the home loan and your willingness to repay the loan. The following is a list of documents that will be required by the lender to process your mortgage loan: |
One full month's worth of paystubs
Last 2 years W-2's (salaried income) and / or last 2 years tax returns with all schedules (commission, dividend, rental income or self-employed borrowers)
Copies of social security, pension, and/or retirement award letters (if applicable)
Last three months bank statement for all accounts
Current statements for all investment accounts
Documentation to support funds to close
Explanation for any credit derogatories
Bankruptcy and discharge paperwork (if applicable)
Divorce decree and any settlement paperwork (if applicable)
