All applicants need to provide the lender:

• Photo ID
• Last 30-days of pay stubs
• W2's - last two years
• Checking and savings accounts statements for the past two months (all pages - real statements, not printouts)
• Most recent statements for other assets such as bonds, stocks, or  401k
• W-2 withholding forms for past two-years

Purchase loans

• Real Estate Agent contact information
• Sales contract for the purchase of a new home (purchase agreement)
• Homeowner's association information with contact information if property is a condo or part of a homeowner's association
• Proof of homeowners insurance (Get Insurance)

Refinance loans

• Current mortgage loan most recent statement
• Proof of home owners insurance. Declaration page of policy preferred, but at least name and contact information for your agent. if you just have an 1-800 number, then your policy number also

Common Other Documents

• Certified copy of divorce papers
• Proof of foreclosure date (Sheriff Certificate of Sale)
• Certificate of Eligibility (VA home loans)
• Past two-years Federal Tax Returns if self-employed, work on commission or tips, or own investment property