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what documents do i need for a home loan

At a glance: Many different types of documents are required during the mortgage application, pre-approval, and underwriting process. Most of them relate to your income, assets and debts. Common documents needed for a home loan pre-approval include bank statements, pay stubs, W-2s and tax returns.

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If your loan is not government-backed, you will need to produce all of the standard documentation. Review this checklist to make sure you have all of the required documents to apply for mortgage refinancing. 1. Pay Stubs. When applying for a home loan refinance, your lender will need proof of income.

Documents Needed for Your USDA Home Loan NOTE: Some items listed on this checklist may not apply to you. Please confer with one of our USDA Loan Specialists if you have any questions regarding what items you need to provide.

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The 7 Types of Documents You Need for a Refinance. Title insurance, to help your lender to check the taxes, the names on the title, and the legal description of the property. 3) Credit information: You’ll need a recent credit score and credit reports. 4) Monthly debt load: While your lender will be able to see your debts during a credit check,

Documents Needed for Mortgage Preapproval Written by Kimberlee Leonard; updated july 19, 2017 Home sellers may require a loan preapproval and not just a pre-qualification.

In a Nutshell. Depending on your unique situation, there are several documents you might need when you apply for a home loan, including your tax returns, pay stubs, bank statements and credit history.

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Now is the right time to get started on your VA home loan, but gathering some financial documents and other information at the outset can help you be even better prepared and in the best position possible to maximize the benefits earned by your service. Let’s take a look at some of the documents you need. Service and Credit

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Things you’ll need when you apply. Here’s a home loan application checklist for your reference. We don’t need every single one of these documents, but have provided options wherever possible to make things easier for you.

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