Loan Document Checklist

Most lenders request documentation to back up the information you provide. In most cases, the lender will want to see originals of these documents in addition to your purchase contract for the house you plan to buy.

Documents your lender may request

• Copy of purchase contract
  
• Last two tax returns, plus accompanying Federal W-2 and 1099 forms
  
• Pay stubs for the last 30 days
  
• Most recent statements for all your credit card accounts
  
• Coupon book for any outstanding home, auto, school or other loans
  
• Bank and brokerage-account statements for the past three months
  
• IRA/Keogh/401(k) statements for the past three months
  
• Title of any cars you own (if less than five years old)
  

Other documents you may need

• Recent profit-and-loss statements and related documents (if you're self-employed)
  
• Transcript or diploma (if you've been a student in the last two years)
  
• Relocation agreement (if you were transferred into the area)
  
• Sales contract of home you currently own
  
• Divorce or legal separation documents
  
• Bankruptcy files
  
• Award letter and copy of most recent check if you're on Social Security, retirement, disability, or if you receive funds from legal settlement
  
  

Your notes:

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