Are you just starting your home buyers journey?

Here is a great checklist for you to start getting things together for your lender! 

Income

MOST RECENT PAYSTUBS COVERING AT LEAST ONE MONTH

• MOST RECENT FEDERAL THREE YEARS TAX RETURNS (ALL SCHEDULES)

• MOST RECENT THREE YEARS W2s FOR ALL EMPLOYERS

• TWO YEARS BUSINESS RETURNS FOR SELF EMPLOYED BORROWERS (IF APPLICABLE)

• MOST RECENT SOCIAL SECURITY AWARD LETTER (IF APPLICABLE)

• PROOF OF 12 MONTH RECEIPT OF CHILD SUPPORT (IF APPLICABLE)

• NON-BORROWING SPOUSE’S INCOME DOCUMENTS IF APPLYING FOR 1st TIME BUYER PROGRAMS

ASSETS

• RECENT TWO MONTHS BANK STATEMENTS (ALL PAGES; MUST BE STAMPED BY TELLER IF PRINTED AT BANK)

• RECENT RETIREMENT ACCOUNT STATEMENT INCLUDING WITHDRAWAL RULES

OTHER ITEMS

• COPY OF DRIVERS LICENSE AND SOCIAL SECURITY CARD • DIVORCE DECREE (IF APPLICABLE)

• CHILD SUPPORT COURT ORDER (IF APPLICABLE)

• PROOF OF INS., TAXES, & MORTGAGE STATEMENTS IF RETAINING PROPERTY (IF APPLICABLE)

• DISCHARGE PAPERS FOR BANKRUPTCY IF IN THE LAST 7 YEARS (IF APPLICABLE)