10 Things a Lender Needs From You
1. W-2 forms or business tax return forms if
you’re 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 forms 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, e.g., a boat, RV,
or stocks or bonds not held in a brokerage account.
6. Copies of your most recent 401(k) or other
retirement account statement.
7. Documentation to verify additional income,
such as child support, pension, etc.
8. Account numbers of all your credit cards
and the amounts of any outstanding balances.
9. Lender, loan number, and amount owed on
other installment loans—student loans,
car loans, etc.
10. Addresses where you lived for the last
five to seven years, with names of landlords,
if appropriate.
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