Here is the list of paperwork you will need for most home loans

1. 1.    Last two months’ worth of asset account statements.  Includes saving, checking, retirement and stock and bonds.  Include copies of all pages, even if the last page is blank.  If you have an account that cuts quarterly statements, send just the latest one.  Plan to send in new account statements between the time of application and loan close.

2. 2.   Last two pay stubs

3. 3.   Last two year’s W2 tax forms.  Not the whole tax return, just the W2.

If you are self employed or own part of the business where you work, see me to discuss your situation.  But generally be prepared to send in last two years business and personal tax returns.  All pages.  When a wholesale lender uses a tax return, they ask you to fill out an IRS form that allows the lender to double check.  See the form here.

Other documents that might apply:

• 1.    New hire letter with start date and income amount.

• 2.   Bonus letter stating amount of bonus payment.