Documents Needed
Choose Your Program.
Select your loan program to see the documents to gather before you apply.
Documents Needed · Purchase
Conventional Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Pay stubs covering the most recent 30 days
- W-2s for the last two years
- Two most recent months of bank statements, all pages
- Signed purchase contract
Only If It Applies
- Self-employed: two years of personal and business tax returns and a year-to-date profit and loss statement
- Award letters for Social Security, pension or disability income
- Divorce decree, if receiving support
- Retirement or brokerage statements, if used for funds
- Gift letter and donor bank statement, if a family member is helping
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Purchase
FHA Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Pay stubs covering the most recent 30 days
- W-2s for the last two years
- Two most recent months of bank statements, all pages
- Signed purchase contract
Only If It Applies
- Self-employed: two years of personal and business tax returns and a year-to-date profit and loss statement
- Award letters for Social Security, pension or disability income
- Gift letter and donor bank statement, if a family member is helping
- Letters explaining any recent credit events
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Purchase
VA Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Pay stubs covering the most recent 30 days
- W-2s for the last two years
- Two most recent months of bank statements, all pages
- Signed purchase contract
- Certificate of Eligibility (we can request it for you)
- DD-214, or a statement of service if on active duty
Only If It Applies
- Self-employed: two years of personal and business tax returns and a year-to-date profit and loss statement
- VA disability award letter
- Award letters for Social Security, pension or disability income
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Purchase
Jumbo Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Pay stubs covering the most recent 30 days
- W-2s for the last two years
- Two years of personal tax returns
- Statements for every account used for funds and reserves
- Signed purchase contract
Only If It Applies
- Self-employed: two years of personal and business tax returns and a year-to-date profit and loss statement
- Award letters for Social Security, pension or disability income
- Gift letter and donor bank statement, if a family member is helping
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Refinance
Rate & Term Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Pay stubs covering the most recent 30 days
- W-2s for the last two years
- Two most recent months of bank statements, all pages
- Current mortgage statement
- Homeowners insurance declarations page
- Property tax bill
Only If It Applies
- Self-employed: two years of personal and business tax returns and a year-to-date profit and loss statement
- Award letters for Social Security, pension or disability income
- HOA dues statement
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Refinance
Cash-Out Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Pay stubs covering the most recent 30 days
- W-2s for the last two years
- Two most recent months of bank statements, all pages
- Current mortgage statement
- Homeowners insurance declarations page
- Property tax bill
Only If It Applies
- Self-employed: two years of personal and business tax returns and a year-to-date profit and loss statement
- Award letters for Social Security, pension or disability income
- Payoff statements for debts being paid off
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Refinance
HELOC Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Pay stubs covering the most recent 30 days
- W-2s for the last two years
- Two most recent months of bank statements, all pages
- Current first mortgage statement
- Homeowners insurance declarations page
- Property tax bill
Only If It Applies
- Self-employed: two years of personal and business tax returns and a year-to-date profit and loss statement
- Award letters for Social Security, pension or disability income
- HOA dues statement
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Refinance
Streamline Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Current mortgage statement
- Homeowners insurance declarations page
Only If It Applies
- Income documents, only if requested
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Investment
DSCR Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Two months of bank statements for funds and reserves
- Insurance quote for the property
Only If It Applies
- Current leases, if the property is rented
- LLC articles, operating agreement and EIN letter, if closing in an LLC
- Signed purchase contract, if buying
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Investment
Second Homes Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Pay stubs covering the most recent 30 days
- W-2s for the last two years
- Two most recent months of bank statements, all pages
- Signed purchase contract
- Mortgage statement, insurance and tax bill for your primary home
Only If It Applies
- Self-employed: two years of personal and business tax returns and a year-to-date profit and loss statement
- Award letters for Social Security, pension or disability income
- Gift letter and donor bank statement, if a family member is helping
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Investment
Investment Properties Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- Pay stubs covering the most recent 30 days
- W-2s for the last two years
- Two most recent months of bank statements, all pages
- Two years of tax returns with Schedule E
- List of properties you own, with mortgage, tax and insurance details
Only If It Applies
- Leases for current rentals
- Signed purchase contract, if buying
- Self-employed: two years of personal and business tax returns and a year-to-date profit and loss statement
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.
Documents Needed · Investment
Portfolio Financing Checklist.
Gather these before you apply. Having them ready speeds up your pre-approval.
Everyone Provides
- Government-issued photo ID
- 12 to 24 months of personal or business bank statements
- CPA letter or business license confirming self-employment
Only If It Applies
- List of properties you own, if an investor
- Signed purchase contract, if buying
This list is general. Your loan officer may ask for additional documents based on your situation. All loans are subject to credit approval and underwriting.