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For Sale by Owner Articles • Owners.com - Mortgages and Financing

Information Needed at Loan Application

Most lenders will need the following information at time of application. The more prepared you are, the smoother and faster your application can be approved. The lender may have additional requirements. (This is a general list.)
To verify income
If you are salaried: 

  • 2 years W2's
  • 1 month of most recent paystubs

If you are self-employed or commissioned:

  • 2 years tax returns
  • Year-to-Date Profit and Loss or evidence of year-to-date earnings

To verify funds for down payment and closing costs

  • 2 months most recent bank statements
  • 2 months most recent stock statements
  • 2 months history on other asset accounts
  • Copy of your purchase agreement if you have chosen a house
  • Money for appraisal and credit report

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