Home Buyer Documents

Every lender requires documents as part of the process of approving a mortgage loan. Here are documents you’re generally required to provide.

Proof of Income

Two years of your most recent W-2’s or Two-years of your Tax returns and business tax returns if you’re self-employed.

Pay Stubs

One month or 30-days of your most recent pay stubs for all borrowers on the mortgage.

Account Numbers

Account numbers of any and all bank accounts that you plan on pulling funds from in order to purchase your new home.

Bank Statements

Two months of your most recent bank statements, with all pages, for any bank accounts that your plan on using for this purchase. Make sure they are not a transaction summary but the actual bank statements or PDF version of your statements for both checking and savings accounts.

Amount Owed On Mortgages

Most recent mortgage statement for any homes that you own that will not be sold prior to purchasing your new home.

Addresses

Be prepared to have your home and work addresses for the last two-years handy with dates for each residence and employer.

Brokerage Account Statements

Brokerage account statements for the last two months with all pages if you plan on using these assets for your purchase.

Retirement Accounts

Your most recent 401(k), IRA or any other retirement account statements if you plan on using any of these funds for your purchase.

Additional Income Statements

Documentation to verify additional income, such as child support, Alimony, Pension Income or Social Security Income. Make sure to have your divorce decree and separation agreement for child support and alimony and your social security award letter for SSI. You may also need a pension award letter for pension income.