- Copies of pay stubs for each applicant, reflecting a minimum of 30 days of income
- Names/addresses of employers for two years
- W-2s for two years
- One to two years of tax returns
- A completed and signed Form 4506-T or 4506T-EZ, provided by Abby
- Bank statements for one to two months
- If self-employed, year-to-date profit and loss statement, plus signed returns for last two years
- Proof of pension income, if applicable
- Social Security and Disability payments, if applicable
- Dividend earnings
- Bonuses
- Child support or alimony payments (optional for you to disclose)
- A copy of earnest money deposit
- Information on debts such as car loans, student loans and credit cards
- Security accounts (stocks, bonds, life insurance)
The Bottom line
My goal is to assess you as a borrower and ensure you can make your payments on time. As such, you’ll need to provide them with documents that paint an accurate picture of your creditworthiness. The typical homebuyer will have to provide information about their assets, debts, income and credit history. However, the exact documents lenders need could vary from person to person.
