- Last 30 days of paystubs
- Last 2 years of W2’s
- Last 2 years of Federal Income Returns if:
- Self-employed and a year-to-date profit and loss
- Using dividend and interest income to qualify
- Using trust income to qualify
- Using capital gains income to qualify
- If you are commission-based or bonus base compensated
- Note: Depending upon how your business is set up more documentation may be required.
- Last 60 days of bank statements evidencing funds for down payment and costs
- List of monthly debts
- Separation agreement if applicable
- Note: This list is a guide only. Banks or lenders may require less or more credit documents.
Credit Documents You May Need for a Mortgage
