10 Things a Lender Needs From You
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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.
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Copies of one or more months of pay stubs from every person signing the loan.
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Copies of two to four months of bank or credit union statements for both checking and savings accounts.
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Copies of personal tax forms for the last two to three years.
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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.
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Copies of your most recent 401(k) or other retirement account statement.
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Documentation to verify additional income, such as child support, pension, etc.
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Account numbers of all your credit cards and the amounts of any outstanding balances.
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Lender, loan number, and amount owed on other installment loans, student loans, car loans, etc.
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Addresses where you lived for the last five to seven years, with names of landlords, if appropriate.
