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In general, the documentation you will need includes:

Photo (Driver's License and/or State Issued ID)

IN GENERAL, THE DOCUMENTATION YOU WILL NEED INCLUDES:

Photo (Driver's License and/or State Issued ID)

Mortgage Statement (most recent 2 months) showing current payment for mortgage principle, taxes, and insurance.

Statements for all liquid assets (checking, savings, money market, stock, profit sharing, IRA's, annuities, 401K, etc.) NOTE: We need ALL pages of any statement

Personal Tax returns for the most recent two years filed (all pages, and all schedules to be included).

INCOME & ASSETS:

Pay stubs covering the most recent 30 days (within 30 days of closing as they become available)

For the past two years:

	Names, addresses and your term of employment for each employer
	W-2's for the two most recent years

If you have made any large deposits to your accounts:

Explanation and source for deposit.

If large deposit was a gift:

	Signed gift letter (lender can supply).
	Copy of gift check.
	Copy of deposit receipt.

If you own more than 25% of a business:

Corporate or partnership tax returns.

If self-employed:

	Business tax returns for the last three years (with schedules including K1s). If an extension was filed, a copy of the IRS Extension filing will be required.
	Year-to-Date Profit and Loss (P&L) Statement prepared by an accountant, especially for any years where taxes have not yet been filed.

If you own rental property:

Tax returns for the last two years and current rental agreements.

If you are retired:

Pension Award Letter.

If you receive Social Security:

Social Security Award Letter.

If you are counting child support as income:

	Copy of child support agreement (and divorce decree if applicable).
	Copy of twelve months of cancelled child support checks.

DEBTS & LIABILITIES:

Names, addresses, account numbers, balances and monthly payments on all current loans.

Explanation of credit report anomalies, including:

	Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
	Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

VA LOANS:

Copy of DD Form 214, Report of Separation.

MISCELLANEOUS:

If there is a Community Association or Homeowners Association, the amount of your Association Dues and a copy of the last two months statements showing this.

A copy of your Homeowner's Insurance Declarations Page showing the premium amount.

If applicable, a copy of your divorce decree.