Navigating the Paper Trail: Essential Documents for Buying Your Home

Preparing Your Financial Documentation

Most Recent

Income Documentation

• W-2 and Tax Returns (2 Years)
• Pay Stubs covering the last 30 days
• Bank statements (2 Months)

Identification and Social Security

• Copy of ID
• Copy of SS card

Purchase Agreement

• Copy of the purchase agreement (if applicable)

Special Circumstances (if applicable)

• Fully executed divorce decree (if applicable)
• Copy of all pages of bankruptcy (if applicable)

Refinancing

• Copy of mortgage statement
• Copy of property tax statement
• Copy of insurance statement

Self-Employed

• Two years signed personal tax returns (including all schedules)
• If self-employed through a corporation:
• Most recent two years corporate returns
• Year-to-date profit and loss statement
• Balance sheet