Document Checklist
Gathering the right documents upfront can speed up your loan process by weeks. Here is what you will typically need.
1Income
- W-2 forms for the past two years
- Pay stubs for the last 30 days
- Federal tax returns (1040s) for the past two years
- Proof of other income (alimony, child support, social security, etc.)
2Assets
- Bank statements for the last two months (all pages)
- Investment account statements (401k, IRA, Stocks)
- Gift letter (if using gift funds for down payment)
3Property
- Purchase agreement (signed by all parties)
- Proof of homeowner's insurance
- Contact info for HOA (if applicable)
4Personal
- Government-issued ID (Driver's License or Passport)
- Explanation of credit inquiries (if asked)
- Divorce decree or separation agreement (if applicable)
Pro tip
You can upload these documents directly in your dashboard once you start your application. Our secure portal makes it easy to submit everything from your phone or computer.