DOCUMENTS YOU’LL NEED TO GET YOUR HOME

Documents You’ll Need!!!

Along with pulling your credit score, once you’ve chosen the best bank to get a home loan with, you’ll need to start compiling some documents that will be required for the process.

It can be a bit burdensome to gather all of the paperwork, but if you go into the process knowing what you’ll need and having it ahead of time, it can speed the process up quite a bit, as opposed to having to look for a missing document when you’re already well into it.

You’ll likely need some or all of the following documentation:

  • W-2 forms from the past two years
  • If you own a business, you’ll need 1099s, or profit and loss statements
  • If you work for someone else or collect a paycheck, you’ll need recent stubs
  • You’ll need the past few years’ federal tax returns
  • You should compile a list of your debts and documentation of them, including everything from student loans to credit cards and child support payments
  • A list of assets that includes your bank statements, mutual fund statements, titles to any property or cars you own, and records of your investments
  • You’ll likely also need to bring canceled checks showing your current rent or mortgage payments

If you’re getting a specialized mortgage, such as a VA loan, you’ll need even more documentation, and if you’re a self-employed borrower, your loan officer might want to see more documentation as well.

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