Borrower Document Checklist

  Government-issued photo ID

• Social Security number (for credit check)

• Proof of legal residency or visa, if applicable
 

  • Last 2 pay stubs

• Last 2 years of W-2 forms

• Last 2 years of federal tax returns (1040)
 

• Last 2 years of personal tax returns (1040)

• Last 2 years of business tax returns

• Year-to-date profit & loss statement

• Balance sheet (if requested)
 

 • Last 2 years of personal tax returns (1040)

• Last 2 years of business tax returns

• Year-to-date profit & loss statement

• Balance sheet (if requested)
 

  Social Security award letters

• Pension or retirement income proof

• Alimony or child support documentation (only if borrower wants it included)

• Rental income: leases + Schedule E from tax returns
  
 

    Last 2–3 months of bank statements (all accounts)

• Retirement account statements

• Investment account statements