In general, the documentation you will need includes: 

Photo ID and proof of Social Security number.   Residence addresses for the past two years.
If applicable, a copy of your divorce decree.

Here is a list of the information mortgage lenders will use to consider your loan application.

Identity and income verification
  • Full legal name, Social Security number, and birthdate (in some cases, you may be asked to provide a copy of your Social Security card)
  • Phone number, email address, and current and former residential mailing addresses over the last two years
  • Primary and secondary income amounts and sources
  • Government-issued photo ID
  • Name, addresses, and phone numbers of all employers over the last two years
  • Values of bank, retirement, investment, and other asset accounts
  • Monthly debt obligations
  • Address of property being purchased, year built, estimated down-payment amount, and purchase price
  • Estimates of annual property taxes, homeowners insurance, and any homeowner association dues

Credit verification
  • Credit explanation letter for late payments, collections, judgments, or other derogatory items in credit history
  • Source of funds documentation for any large deposits on asset or bank statements
  • Judicial decree or court order for each obligation due to legal action
  • Bankruptcy/discharge papers for any bankruptcies in credit history
  • Payment history for public utilities, phone, cable TV, car insurance, and other expenses

Income verification - self-employed
  • Federal tax returns (personal and business) for the past three years
  • Profit and loss statement -year-to-date
  • List of  all business debts
Income/tax documents
  • IRS Form 4506-T -Request for tax transcript, completed, signed and dated
  • Pay stubs covering the last 30 days
  • W-2s for the past two years
  • Federal tax returns (1040s) for the past two years
  • Asset/bank statements -Most recent two months' statements for all accounts listed on the application (include all pages of the statement, including ones that are blank)
  • Written explanation if employed less than two years or employment gap exists within the last two years

  • Homeowners insurance information, including agent's name and phone number
  • Purchase contract signed by all parties