Paperwork Needed


To apply for a home loan, you will have to provide the lender with detailed documentation of your financial history. The paperwork needed for a home loan is varied and is usually based on the lenders criteria. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Be prepared to give your lender the following paperwork at least:

  • Social Security numbers for both you and any co-borrowers
  • Copies of checking and savings accounts statements for the past two months
  • Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program)
  • Recent paycheck stubs
  • W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
  • The name and address of someone who can verify your employment
  • Residence history for the past two years
  • Sales contract for the purchase of a new home
  • Homeowner’s association information with contact information if property is a condo or part of a homeowner’s association

Other items may come up as underwriting finds the needs for them but the above items are usually requested. Remember, the paperwork needed for a home loan is to prove your income, assets and ability to repay the loan.