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10 Things a Lender Needs From You



  • W-2 forms or business tax return forms if you're self employed for the last 2 or 3 years for every person signing the loan

  • Copies of one or more months of pay stubs from every person signing the loan

  • Copies of 2 to 4 months of bank or credit union statements for both checking and savings accounts

  • Copies of personal tax forms for the last 2 to 3 years

  • Copies of brokerage account statements for 2 to 4 months, as well as a list of any other major assets of value... a boat, RV, stocks or bonds not held in brokerage account etc...

  • Copies of your most recent 401(k) or other retirement account statement

  • Documentation to verify additional income, such as child support, pension etc...

  • Account numbers of all your credit cards and the amounts of any outstanding balances

  • Lender, loan number, and amount owed on other installment loans-student loans, car loans etc...

  • Addresses where you lived for the last 5 to 7 years, with names of landlords, if appropriate

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