Home Loan Process: Documentation

Applying for a home loan will require you to submit several pieces of information to give me a clear picture of your financial history – both past and present. Anything you submit through my online application is 100% secure. I never share your personal information with anyone, except with permission.

For example, if you give me information that you’ll want me to use to help you qualify for a great home loan option, I use that information to tell lenders about you and convince them to loan you money. In turn, those lenders are bound by federal law to keep your information confidential and secure.

Here is a list of common items and information that are required to obtain financing. These items help verify the information on your application and are required to make a credit decision. Submit the following items with your application as soon as possible to help expedite the home loan process:

All Loans

The following is a list of documentation needed for all home loans:
Social Security Number for Borrower and Co-Borrower

Employment History

  • Current pay stubs or W-2 forms for the last two years
  • Employment dates, addresses, and salary

Checking and Savings Accounts / Certificates of Deposit

  • Location of bank accounts, account numbers, and balances
  • Address of bank, if out of town
  • Last 3 months of statements

Stocks, Bonds, and Investment Accounts

  • Broker’s name and address
  • Description of stocks, bonds, etc.
  • Last 3 months of statements or copies of stock certificates

Life Insurance Policies

  • Insurance company, policy number, face amount, and cash value, if any

Retirement Plan

  • Approximate vested interest value
  • Copy of latest statement


  • Make and model of automobiles, including resale value

Other Assets

  • Market value of personal and household property

Liabilities and Other Non-Mortgage Debt

  • Creditor names, addresses, account numbers
  • Monthly payments and balances

Other Income Information
If You’re Self-Employed:

  • Two years of tax returns, profit and loss statements, both company and personal if separate
  • Current balance sheet and profit and loss statement, if more than two months into the new fiscal year, signed by CPA

If You Have Income From*:

  • Commission
  • Overtime
  • Bonus
  • Partnership
  • Rental Property
  • Trust
  • Notes Receivable
  • Interest/Dividends

*NOTE: You will need to provide two years of personal federal tax returns.

If Employed in Family Business:

  • Personal federal income tax returns
  • All schedules for the past two years

If Divorced or Separated:

  • Complete executed divorce decree and settlement agreement
  • Payment history of alimony/child support over the past 12 months, if a financial obligation
  • Provide 12 months of canceled checks or bank statements reflecting income deposits (if you choose to have this be considered as part of your income)

Real Estate

If You Own Real Estate:

  • Name and address of all lenders for the past 24 months, account numbers, monthly payments, and balances

If You’ve Sold Your Home But Not Closed:

  • Copy of the sales contract

If You’ve Sold Your Home, Closed, and You Will Use the Proceeds for Your New Down Payment:

  • Copy of the HUD-1 Uniform Settlement Statement


Name, address, and phone number of landlords for the past 24 months

Purchasing A Home

If a Source of You’re Purchasing a Home: ??????????????????

  • Purchase sales contract or offer to purchase and all addenda
  • Furnish contract with original signatures of buyer and seller

If a Source of Your Down Payment is a Gift*:

  • Name, address, and relationship to donor

*NOTE: Gift funds will be verified in both the donor and recipient’s accounts. Not all loan programs allow gifts to be part of your down payment.

For FHA Financing:

  • Evidence of Social Security Number and photo identification

For VA Financing:

  • DD214 and Certificate of Eligibility

For Construction/Perm Loan

  • Signed construction with cost breakdown, builder plan, and specifications

Have more questions about the application process? Contact Me

Want to get started? Apply Now

Learn more about the Home Loan Application Process