Documents You Will Need

For a "healthy" loan application, you will need the following:

• Pay stub(s) to cover the last 30 days.
• W-2 forms for the prior and current year.
• Complete tax returns for prior and current year (personal and corporate).
• Complete bank statements for the last 3 months – checking, savings, CD, IRAs and brokerage accounts.
• Name, address and telephone for landlords – last 24 months.
• Copy of your driver's license and/or social security card.

Additional documents you may need:

• Complete divorce decree if you pay or receive alimony or child support.
• Complete discharge papers if you have had a bankruptcy.
• Award letter if you receive social security.
• Contract or home for sale, if you are selling; or a closing statement if you have closed within a year.
• VA loans only: certificate of eligibility (DD-214).
• Refi: account number of your current mortgage and customer service telephone number, homeowner's insurance information (name and telephone number of agent).