STEP 5: Required Documents

Income - If you are salaried, you will need to provide the past two-years W-2s and one month of pay-stubs.  If you are self-employed, you will need to provide the past two-years tax returns.

In addition, if you own rental property you will need to provide rental agreements.  

​If you receive social security or retirement income, documentation providing proof will be needed.

Assets -  You should provide the most recent, two months bank statements.  In addition, you should provide most recent copies of any stock, mutual fund, brokerage or IRA/401k account statements.
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Other documents - If you are recently divorced or receive income from a divorce settlement, you may be required to provide a copy of the divorce decree.

If you have a previous bankruptcy that is still reporting on your credit, you will need to provide a copy of the bankruptcy filing and the discharge documents. 

There may be circumstances in which other documents are needed or a borrower written explanation letter may be required.  Your mortgage professional will provide a list of required documents.

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