What information do I need to apply for a home loan?

Provide all documentation that is requested. Any missing documentation is likely to cause a delay in your loan approval process. To obtain loan approval, you will typically need to produce:

Pay stubs covering most recent thirty days
W-2 statements covering the past two years
Bank statements covering the most recent two months (with all pages)
401K, IRA, or Mutual Fund accounts showing most recent transaction summary
Stocks or certificates of deposit (copies)
Purchase and sales agreement (copy)
12 months cancelled rent checks or the name and address of your current landlord (if applicable)
Fully executed divorce decree (if applicable)
Deed, hazard insurance policy, and most recent tax bill if you are refinancing (copies)
A letter explaining any known credit problems or fluctuations in income

If you are self-employed, paid by commission, or own real estate used for rental purposes you will need to produce:

Two years signed personal federal income tax returns including all schedules
If self-employed through a corporation, the last two years’ corporate returns as well as a year-to-date profit and loss statement and balance sheet
If additional information or documentation is requested, please provide it immediately.