Identity and income verification

Full legal name, Social Security number, and birth date
Phone number, email address, and current and former residential mailing addresses over the last two years
Government-issued photo ID and Social Security card

Income/tax documents

Pay stubs covering the last 30 days
W-2s for the past two years
Federal tax returns (1040s) for the past two years
Written explanation if employed less than two years or employment gap exists within the last two years

Income verification for Self-Employed

Federal tax returns (personal and business) for the past two years
Profit and loss statement — year-to-date

Asset Verification

Asset/bank statements— Most recent two months’ checking, savings, investment account statements (include all pages of the statement, including ones that are blank)
Retirement, 401K, IRA, Deferred Comp, Annuity – Most Recent statement (include all pages of the statement, including ones that are blank)

Credit verification

Credit explanation letter for late payments, collections, judgments, or other derogatory items in credit history
Judicial decree or court order for each obligation due to legal action
Bankruptcy/discharge papers for any bankruptcies in credit history


Homeowners insurance information, including agent’s name and phone number
Purchase contract signed by all parties (For Purchase Transactions)
Most recent mortgage statement, Property tax bill, homeowners insurance, and any homeowner association dues for any properties owned.