In general, the documentation you will need includes, but is not limited to, the following (you will be sent a checklist of items needed for your specific situation at application): |
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Property Information (if you already have a contract on a house) |
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Purchase Agreement. |
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If you are selling your current home, copy of listing contract. |
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If you have sold your current home, copy of settlement statement (HUD-1). |
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Income & Assets |
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Pay stubs for the last 30 days. |
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For the most current past two years: |
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Statements for each bank, mutual fund, and/or investment account for the last three months including ALL pages. |
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If you have made any large deposits to your accounts: |
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If you own more than 25% or more of a business: |
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If self-employed: |
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If you own rental property: |
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If you are retired: |
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If you receive Social Security: |
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If you are counting child support as income: |
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Debts |
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Names, addresses, account numbers, balances and monthly payments on all current loans and revolving accounts. |
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Explanation of credit report anomalies, including: |
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Miscellaneous |
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Photo ID and proof of Social Security number. |
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Residence addresses for the past two years. |
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If you are not a citizen, a copy of the front and back of your green card. |