Lending University
Arm Yourself with Knowledge

Buying a home or using the equity in your home for large expenses can be complex. Our experts break down the latest housing trends and tips so you can make the best choices for you and your needs.

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Enjoy a smoother closing by gathering your paperwork before you apply

Here is a list of documents you and your co-borrowers may need in order to complete your mortgage application. Additional documents may also be needed later in the process.

Pay Stub(s): Your most recent one month

  • Your pay stub(s) cannot be more than one month old at the time you submit your application.
If you get paid You need to send
Every week Your last five pay stubs
Every two weeks Your last three pay stubs
Monthly Your last pay stub

Form W-2: Your most recent two years from your employer

  • Your W-2 is given to you every year by your employer so you can do your taxes.
  • A copy of your W-2 should be attached to your tax return, so you should be able to find it there.
  • If you filed electronically, you or your tax preparer should have a copy of your W-2.

Federal Income Tax Returns: Your most recent two years

  • Don’t forget to include all pages and schedules. We don’t need copies of your state returns.
  • If you filed electronically, you can print a copy from your tax software or ask your tax preparer.
  • If you are self-employed or get paid any commissions, your most recent two years of tax returns will need to be signed.
  • If you own a business, we will also need the most recent two years of business returns filed for your company (e.g. 1120, 1120S, Schedule K-1 / 1065).

Bank and Investment Statements: Your most recent three months

  • Be sure to copy all pages of your statements (front and back). If you don’t receive paper statements, please print your entire online statement.
  • Don’t forget to include all of your accounts (checking, savings and investments). Your accounts must show that you have enough money to afford your down payment and several mortgage payments.
  • You may need to provide a detailed letter to explain any large deposits or withdrawals.

Home Purchase Contract: Signed by you and the seller

  • This indicates that you have found a new home and are ready to move forward with your application.

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