Your property
- A copy of the signed sales contract, including all riders
- Verification of the earnest money deposit you placed on the home
- Names, addresses, and phone numbers of every real estate agent, builder, insurance agent, and attorney involved
- A copy of the listing sheet and legal description, if available
- For a condominium: the condo declaration, by-laws, and most recent budget
Your income
- Pay stubs covering the most recent 30 days, showing year-to-date earnings
- W-2 forms for the past two years
- Names and addresses of all employers for the last two years
- A letter explaining any gaps in employment during the past two years
- Work visa or green card (copy of front and back), if applicable
If you're self-employed or earn commission, bonus, interest, dividend, or rental income
- Complete tax returns for the last two years, plus a year-to-date profit and loss statement
- Schedule K-1 forms for partnerships and S corporations for the last two years
- Completed partnership (1065) and/or corporate (1120) tax returns with all schedules for the last two years
If you receive other income
- Alimony or child support: the divorce decree or court order and proof you're receiving the funds (only if you want it counted as income)
- Social Security, disability, or VA benefits: the award letter from the agency
Source of funds and down payment
- If you're selling your current home: a copy of the signed sales contract and, once closed, the settlement statement
- Savings, checking, and money market statements for the last three months
- Stock and bond statements for the last three months
- Gift funds: a signed gift letter and proof the money was received
Debts and obligations
- A list of all current debts with the last three monthly statements for each
- Mortgage or landlord information for the last two years (statements, cancelled checks, or contact info)
- Alimony or child support you pay: the divorce decree or court order
- A check or card to cover application fees, if any