Be prepared to help your home loan expert open the door to owning your new home.

If you are a W2 employee:

• W2 forms (Last 2 years)
• Two recent Pay Stubs
• Statements for Assets (checking, savings, 401k, IRA, etc
• » Monthly statements - need two most recent (all pages)
• » Quarterly statements - need one most recent (all pages)

If you are Self Employed (including 1099):

• Full Tax Returns (Last 2 years, including business returns, if applicable
• Business License (if applicable)
• Statements for Assets (checking, savings, 401k, IRA, etc
• » Monthly statements - need two most recent (all pages)
• » Quarterly statements - need one most recent (all pages)

If you are Retired/Fixed Income:

• Most recent Award Letter (Social Security, Pension, etc
• 1099 Retirement (Last 2 years) & any recent stubs/statements, etc, if available
• Statements for Assets (checking, savings, 401k, IRA, etc
• » Monthly statements - need two most recent (all pages)
• » Quarterly statements - need one most recent (all pages)

Additional Documents for Special Situations:

• VA Loans - Certification of Eligibility & DD-214
• Bankruptcy - Copies of schedules & discharge (all pages)
• Credit Issues - Letter explaining any derogatory credit, such as late payments, bankruptcy, reposession, foreclosure, judgment, taxlien, etc.
• Receive Child Support, etc. - Copy of court order verifying amount received
• Pay Child Support, etc. - Copy of the court order verifying amount ordered to pay
• Rental Property - Copy of the lease agreements