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Home Loan Documents

October 15, 2018

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.