Before You Talk to a Lender
Getting prepared before your first conversation with a lender can make the home-buying process smoother. Having these documents ready can help them understand your financial picture and determine what you may qualify for.
Proof of income & Employment - Paystubs, W-2s, Tax Returns
Recent bank statements - Last 2 months (including retirement accounts)
Identification - U.S. or foreign passport, drivers license, state issued ID card, permanent resident card or visa (if applicable)
Information about existing debts - car loans, student loans, credit cards, personal loans
Bankruptcy discharge documents (if applicable)
Divorce decree/child support agreement (if applicable)
What to Be Prepared to Discuss
Be prepared to answer questions about your finances and any changes (e.g., buying a car, opening a credit card, or other major purchases). Your lender may request additional documentation depending on your individual situation.
Ready for the Next Step?
Take my Home Search Profile Assessment to help identify your priorities. If you need help connecting with a lending professional, I can provide recommendations based on your needs.
Tip: Keep your documents together in a secure place so they're easy to find when your lender requests them.
Disclaimer: This article is provided for general informational and educational purposes only and is not intended to provide financial, mortgage, lending, legal, tax, or other professional advice. Every buyer's financial circumstances are different. Requirements, documentation, loan programs, and lending guidelines may vary by lender and may change over time. Please consult your lender, attorney, tax professional, or other qualified professional for advice specific to your situation. Nothing in this article guarantees loan approval, financing, or any particular outcome.