What you need for an application?
- Last two pay stubs, must show 30 days pay
- W-2s from the last two years
- Two years tax returns if self-employed
- Addresses covering last 2 years residence
- Landlord’s names and addresses covering last 2 years
- 2 years employment history, explanation of all gaps
- List of monthly bills with minimum payments (including car loans/ leases, credit cards, student loans, personal loans)
- Monthly statements for money markets, all pages
- Two months bank statements, all pages
- Proof of any recently paid debt
- Statements of annuities, 401K, stocks, etc., all pages
- Divorce and/or child support papers
- Purchase agreement
- Proof of sale of current house or listing agreement if applicable
- Photo ID
FHA and VA Loans
- DD-214 (VA only)
- Three months bank statements
- First time home buyers – 3 years tax returns + W-2s