What Type of Documentation Is Required

When purchasing or refinancing home it is always good idea to start compiling the necessary documentation before you meet with your lender. This will speed up the entire process and help your lender get a better understanding of your entire loan scenario and allow them to provide you the best and most accurate service.


  • Last two years W-2 forms
  • Two most recent paycheck stubs (showing 30 days of income for each borrower)
  • Self-employed or commissions based borrowers will need to provide their last two years of personal/corporate/partnership tax returns (including all schedules)
  • Evidence of other forms of income: child support, retirement, social security, pension, etc.


  • Most recent bank statements, brokerage statements and/or retirement accounts covering a min of 60 day transaction history.

Note: All statements must include all pages even if blank and have name and account numbers on them in order to be acceptable by underwriting. Screen shots of your account balances are unacceptable.  


  • Signed Purchase & Sales Agreement
  • Evidence Earnest Money has been received
  • HUD-1 Settlement Statement previous home was just sold
  • Purchase & Sales Agreement on current home if pending sale

Other Information & Items:

  • Residence history for last two years, including address and dates
  • Employment history for last two years, including name, address, phone number, dates of employment, income and title
  • Homeowners insurance policy or contact information
  • Copy of current identification card
  • Rental agreements on all rental properties
  • Divorce decree
  • Child support order
  • Bankruptcy papers 
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