Home Loan Documents

In order to determine how much home you can afford, and give you the most accurate pre-approval

possible, your mortgage lender typically needs the following information:

• Copy of driver’s license
• Last 2 years of W2 statements from your employer
• Last 30 days of pay stubs
• Last 2 months of bank statements (checkings/savings) – all pages
• Name and phone number of your landlord to verify rental payments (if applicable)
• Divorce decree or court order defining alimony or child support payments (if applicable)
• Last quarter (3 months) of stocks/bonds/mutual funds/401K – all pages
• College transcripts (of you graduated within the last 2 years).
• *Information on any deferred student loans

The following items may also be helpful to have on hand:

• Last 2 years of individual tax returns – all pages and schedules
• If you currently own a property, these items may be needed as well:
• Mortgage statement
• Tax bills
• Homeowner’s insurance

If you’re self-employed or commissioned, you may also want to have the following on hand:

• Last 2 years of individual and corporate tax returns – all pages and schedules.

Download our helpful document list, and be sure to reach out to your local loan originator to get pre-approved today.

This article is presented to you by Waterstone Mortgage. Please click here to read the full article.