To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. 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:

• 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, 403b, IRA, OR SEP IRA programs)
• Recent paycheck stubs with year to date earnings
• W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
• Divorce Decree, Marital Settlement Agreement, or Separation Agreement (if applicable)
• Copy of Current Homeowners Declaration Page (Refinances Only)
• Copy of most recent Mortgage Statements (Refinances Only)
• Sales contract (Purchases)
• Last 2 years business licenses if self-employed