Pay stubs for the last 30 days.

For the past two years:

• Names and addresses of each employer.
• W-2s

Statements for each bank, mutual fund, and/or investment account for the last three months.
Estimated value of personal property and furniture.

If you have made any large deposits to your accounts:

• Explanation and source for deposit.

If large deposit was a gift:

• Signed gift letter (lender can supply).
• Copy of gift check.
• Copy of deposit receipt.

If you own more than 25% of a business:

• Corporate or partnership tax returns.

If self-employed:

• Tax returns for the last three years (with schedules).
• Year-to-Date Profit and Loss Statement prepared by an accountant.

If you own rental property:

• Tax returns for the last two years and current rental agreements.

If you are retired:

• Pension Award Letter.

If you receive Social Security:

• Social Security Award Letter.

If you are counting child support as income:

• Copy of divorce settlement.
• Copy of twelve months of cancelled child support checks.

Names, addresses, account numbers, balances and monthly payments on all current loans.
Explanation of credit report anomalies, including:

• Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
• Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

Copy of DD Form 214, Report of Separation.

Photo ID and proof of Social Security number.
Residence addresses for the past two years.
If applicable, a copy of your divorce decree.
If you are not a citizen, a copy of the front and back of your green card.