To apply for a loan, you and any co-borrowers will have to provide the lender with detailed documentation of your financial histories.  The lender will request a credit report from a credit agency and will verify the information provided in your loan application.  Be prepared to provide:

Two Forms of Legible ID: Driver's License/Passport and/or Social Security Cards

• Copies of Checking and Savings accounts for the past two months (all pages - even if blank)
• All other asset account statements including Retirement - past two months or most recent quarterly statement (all pages - even if blank)
• Recent paycheck stubs (most recent 30 days)
• Last 2 years W-2s and/or Personal Federal Income Tax Returns (all schedules)
• If self-employed: provide last two years Business Returns (all schedules)
• Residence history for the past two years - If renting: provide Landlord contact information
• If Refinance: Provide recent Mortgage Statement and Proof of Homeowner's Insurance
• If Purchase: Provide a legible Purchase Contract
• Homeowner's Association Information with contact information if property is a condo or part of a homeowner's association

Keep in mind that some additional documents may be requested during your loan process.