The paperwork lenders usually ask for, so nothing slows you down.
What lenders usually ask for
- A valid photo ID.
- Recent pay stubs.
- W-2s or 1099s from the last two years.
- Tax returns, especially if you're self-employed or have rental income.
- Recent statements for checking, savings and investment accounts.
- Details on other debts, such as auto loans or student loans.
- A gift letter, if family is helping with your purchase.
- For a VA loan, your Certificate of Eligibility (your lender can often help request it).
How to share them safely
Never send these through a website form or regular email. David will tell you the secure way to share them once you're ready to apply.
General information, not advice for your situation and not a loan offer. Programs and guidelines change; David can tell you what applies to you.