Checklist Documentation for Buying

List of Items Required:

  • W2s from Prior 2 years
    • W2s are a part of a complete tax return and the lender will request to see all of the W2s filed with each return you are providing.
    • This includes W2s for a non-borrowing spouse if they are on the returns filed.
  • Personal Tax Returns from Prior 2 Years
    • Include all pages/schedules filed with each return.
    • Make sure that the tax returns are signed.
    • If the current tax year is on extension, please provide a copy of the extension and the prior 2 years filed returns.
  • Most Recent Paystubs - Covering the last consecutive 30 day period.
  • Most Recent 2 Months Bank Statements for Checking, Savings, and Brokerage
    • Must show assets to cover down-payment, closing costs, & reserves.
    • Include All pages for each statement.
    • If the statement says Page 1 of 5, include all 5 pages - this will be a requirement in underwriting
  • If Renting, Contact for Landlord
  • If Business Owner:
    • Complete tax returns for company from prior 2 years.
  • Copies of 2 Forms of Identification