10 Things a Lender Needs to Know

  • 1. W-2 forms or business tax returns if you are self-employed for the last two or three years for every person signing the loan.
     
  • 2. Copies of one or more months of pay stubs from every person signing the loan.
     
  • 3. Copies of two to four months of bank or credit union statements for both checking and savings accounts.
     
  • 4. Copies of personal tax returns for the last two to three years.
     
  • 5. Copies of brokerage account statements for two to four months as well as a list of any other major assets of value.
     
  • 6. Copies of your most recent 401K or other retirement account.
     
  • 7. Documentation to verify additional income such as child support, pension, etc.
     
  • 8. Account numbers of your credit cards and amounts of any outstanding balances.
     
  • 9. Lender, loan number and amount owed on installment loans – student loans, car loans, etc.
     
  • 10. Address of where you lived for the last 5-7 years, with name of landlord if appropriate
     
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