Tip: Submit all pages of every document — even blank pages. Missing pages are one of the most common reasons for processing delays.
Document Checklist
Use this as your pre-application checklist. Your loan officer may request additional items based on your specific scenario.
Personal Identification
- Government-issued photo ID (Driver's License or Passport)
- Social Security Number
- Proof of residency (utility bill or lease if current address differs from ID)
Employment & Income
- Most recent 2 years of W-2 forms
- Most recent 30 days of pay stubs (all pages)
- 2 most recent years of federal tax returns (all schedules, all pages)
- If self-employed: 2 years of business tax returns + Year-to-Date Profit & Loss statement
- If retired: Award letters for pension, Social Security, or other retirement income
Assets & Bank Statements
- 2 most recent months of bank statements (all pages, including blanks)
- Most recent statements for all investment/retirement accounts (401k, IRA, stocks)
- Documentation for large deposits (gift letters, sale proceeds, etc.)
- If using gift funds: Gift letter from donor and evidence of transfer
Property & Transaction
- Fully executed purchase contract (for purchases)
- MLS listing or property details sheet
- Most recent mortgage statement(s) (for refinances)
- Homeowners insurance policy / binder
- HOA contact info and monthly dues statement (if applicable)
- Copy of current title/deed (for refinances)
Liabilities & Credit
- 12 months canceled checks or bank statements showing rent/mortgage payment history
- Bankruptcy discharge papers (if applicable, within past 7 years)
- Divorce decree / separation agreement (if applicable)
- Child support / alimony award letter (if applicable)
- Letters of explanation for any credit inquiries or derogatory marks
No-Income / Investor Loans
- Bank Statement Loans: 12–24 months personal or business bank statements
- DSCR Loans: Current lease agreement or rent schedule (Form 1007)
- Asset Qualifier: Most recent 3 months of asset statements (all pages)
- Foreign National: Valid passport + visa, 2 years foreign tax returns, reference letter from foreign bank
Frequently Asked Questions
Questions about what to submit? We've answered the most common ones below.
Can I submit documents electronically?
+What if I'm self-employed?
+Do I need all documents before applying?
+How long are bank statements valid?
+What if I have a gap in employment?
+Have Your Documents Ready?
Start your application now and upload documents as you go. Our team will be with you every step.