Most buyers will need:
If you’re self-employed, expect to provide more documentation. Documentation isn’t about being intrusive. It’s about verifying consistency and ability to repay. The smoother and more transparent you are upfront, the fewer surprises later. However, if you don’t have tax returns or proof of income, many of our lender members, can make loans using alternate documentation like adding up your bank deposits.
Please consult your Mortgage Advisor for guidance specific to your situation before making changes.
Notes & good practices
Recent pay stubs
W-2s (last two years)
Tax returns (usually needed if your 1099 employee or self-employed)
Bank statements
Government ID
Authorization to pull credit