Checklist: Documentation for your lender
When you apply for mortgage financing, you must provide the following documentation to the lender before your loan is granted:
- Name and address of landlord(s) for the past two years (if eligible)
- Proof of all income from the past 24 months (tax returns, paystubs)
- Previous two years’ W-2 forms
- Copy of most recent year-to-date pay stub for all applicants
- Proof of all deposit accounts, checking, savings, money market, IRA and brokerage accounts
- Three months most recent statements for deposit accounts, stocks, bonds, etc
- If you chose to include income from child support/alimony, copies of court records or
cancelled checks showing receipt of payments - Legible sales contract signed by buyers and sellers (if you have already purchased a home)
Name, address, account number, monthly payment and current balance for:
- Installment loans (including student loans, auto loans, mortgage loans)
- Revolving charge accounts (home equity, credit cards)
If you are self-employed or paid by commission:
- Previous two years Federal Income Tax Returns with all schedules
- Year-to-date profit and loss statement and balance sheet
- Corporate tax returns and all schedules
If you have filed bankruptcy in the last seven years:
- A copy of petition and discharge
- Handwritten explanation of the reason for bankruptcy
- Evidence of excellent credit since the bankruptcy
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