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Home Buyers Checklist
      Name, address, phone number, and dates of employment for all employers over the last 2 years
Social Security numbers for all applicants for credit check
      30 days’ worth of paystubs or most recent LES
Race and Ethnicity information (for government monitoring – requested on all mortgage loans)
   Last 2 years’ W2s
Copy of valid ID such as a driver’s license or government ID
     If self employed or receive commission or rental income: Last 2 years’ personal tax returns
State where you plan to purchase
   If you own a business: Last 2 years’ business tax returns
Number and age of dependents
     Copies of social security, pension, and/or retirement award letters and corresponding 1099s
Property You Are Buying
  Divorce decree and settlement paperwork for separate maintenance (if applicable)
Purchase contract accepted and signed by you and the seller
     Explanation letter for employment gaps
Appraisal showing a value of at least the purchase price (your lender will order)
Name and contact information for the homeowner’s insurance agent you will use
      60 days’ bank statements for checking and savings accounts
Name and phone number for the homeowner’s association, if applicable
    60 days’ statements for investment and retirement accounts
A home inspection report is typically not required by your lender, but it’s a good idea to get an inspection
Documentation for real estate currently owned, if any 5
Personal Information
   General knowledge of your current credit card, student loan, auto loan, and other credit accounts. Your loan officer will pull a credit report that shows your accounts, but on occasion, the information may be outdated, missing, or erroneous.
      Government-issued ID
 Explanation for credit mishaps
   Your basic information like name, address, and phone number
Bankruptcy and discharge paperwork (if applicable)
     Previous addresses for the past 2 years
Documentation disproving any erroneous items on your credit report
        Dates of birth and years of school completed

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