Paperwork Needed

🗂 What You’ll Need to Apply for a Home Loan

Getting ready to buy a home? Each loan type comes with its own documentation requirements. To help make the process smooth and stress-free, we’ve broken down what’s typically needed for Conventional, FHA, and VA loan applications.

Use the checklist below to gather your documents before applying.

🔎 Personal & Identity Information (All Loan Types)

  • Social Security number (for all borrowers)

  • Valid government-issued photo ID (driver’s license or passport)

💰 Income & Employment Verification

Conventional & FHA Loans

  • Recent pay stubs (last 30 days)

  • W-2s from the past two years

  • Tax returns (if self-employed or have variable income)

  • Employer name, phone number, and address

  • Employment history covering the last two years

VA Loans (includes all of the above, plus)

  • DD-214 or Statement of Service

  • Certificate of Eligibility (COE)

🏦 Assets & Bank Statements (All Loan Types)

  • Checking and savings account statements (last two months)

  • Statements for retirement accounts, stocks, or other assets (401k, IRA, brokerage)

  • Proof of gift funds (if using gift money for the down payment)

🏠 Property & Purchase Details (All Loan Types)

  • Executed purchase agreement or sales contract

  • Homeowners Association (HOA) contact info (if applicable)

  • Property disclosures or documents from seller or agent

🧾 Additional Documents (If Applicable)

  • Divorce decree or child support documentation (if applicable)

  • Bankruptcy discharge paperwork (if filed in the past 7 years)

  • Green card or visa documentation (for non-U.S. citizens)

✅ Pro Tip

Having your paperwork ready before you apply can help you move faster and make a stronger offer — especially in competitive housing markets.


📝 [Apply Now] to Get Pre-Approved

 

🔒 Disclosure

This is not a commitment to lend. All mortgage applications are subject to credit approval and underwriting guidelines. Documentation requirements vary by loan type, borrower profile, and property. Not all applicants will qualify. Additional conditions may apply. Please consult a licensed mortgage professional for complete guidance.

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