Applying for a home loan will require you to submit* several pieces of information to give mortgage lenders a clear picture of your financial history – both past and present. These items help verify the information on your application and are required to make a credit decision. You can help the home loan process move more quickly and smoothly by submitting the following items with your application as soon as possible.
Item 1 – Pay Stubs
The last 30 days of your most recent pay stubs are required
Item 2 – W2s or 1099s
Last two years of W2s or 1099s are required to show income earned and what can be used to qualify (all pages)
Item 3 – Federal Tax Returns
Last two years of signed Federal Tax Returns and all schedules are required to show income earned and what can be used to qualify (all pages)
Item 4 – Bank Statements
Two months of bank statements are required to verify your funds to close and for reserves
Item 5 – Deposit
Large deposit and credit inquiry letters (signed – if applicable)
Item 6 – Identification
State issued identification, such as a driver’s license, ID card or US Passport
*Anything you submit through Miles D. Rusth’s online application is 100% secure. We never share your personal information with anyone, except with permission.