Documents You Need For a Home Loan

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Don’t get overwhelmed by the paperwork and forms you need to provide when applying for your loan. Our Doc-less technology makes the process painless, using e-sign technology that securely and automatically verifies income and assets. It also features a tracking system that lets you and your buyer monitor the progress of the loan from submission to closing.

Here are the documents lenders are interested in:

• Tax returns. Lenders want to see 1-2 years of returns to make sure you have a consistent income.
• Pay stubs & W2s. Recent pay stubs help verify your current earnings, while W-2s from your employer provide a clear picture of your financial health.
• Bank statements and assets. Your bank statements, investment assets and life insurance show how much money you have in reserve in case of an emergency.
• Credit report. Lenders will pull your credit report to assess your credit history.
• Gift letters. If friends or family give you money toward your down payment, you’ll need to provide a written confirmation that the money is a gift and not a loan.
• Renting history (if applicable). Many lenders want proof that you can pay on time.