* If you currently rent your home


 * Name, address and phone number of landlords for the past 24 months

 * If you own real estate


 * Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances

 * If you've sold your home but not closed:
A copy of the sales contract

 * If you've sold your home, closed, and you will use the proceeds for your new down payment:
 * A copy of the HUD-1 Uniform Settlement Statement

 * If you're buying a home:

 * Purchase sales contract or offer to purchase and all addendums
 * Furnish contract with original signatures of buyer and seller


 * If a source of your down payment is a gift:
   Name, address and relationship of donor.
   Gift funds will be verified in both the donor and recipient's   accounts.
 

Note: Not all loan programs allow gifts to be part of your down payment.

 * For FHA Financing:
   Evidence of Social Security Number and photo identification

 * For VA Financing:
   DD214 and Certificate of Eligibility

 * For Construction/Perm Loan:
   Signed construction with cost breakdown, builder plan and specifications

 * For all loans:

   Social Security Number, for borrower and co-borrower if any

   Employment History
   For the last two years, employment dates, addresses, salary.
   Current pay stubs or W-2 forms.

   Check and Savings Accounts and Certificates of Deposit
   Location of bank accounts, account numbers and balances;
   Address of bank if out of town
   Last 3 months' statements

   Stocks, Bonds, and Investment Accounts
   Broker's name and address, description of stocks, bonds, etc.
   Last 3 months' statements or copies of stock certificates

   Life Insurance Policies
   Insurance company, policy number, face amount, cash value, if any

   Retirement Plan
   Approximate vested interest value
   Copy of latest statement

   Automobiles
   Make and model of automobiles, their resale value

   Other Assets
   Market value of personal and household property

   Liabilities and Other Non-Mortgage Debt
   Creditors names, addresses, account numbers
   Monthly payments and balances

   Other income information you may need


   If you're self-employed
   Two years tax returns, profit and loss statements, both company    and personal if separate.
   Current balance sheet and profit and loss statement if more than    two months into the new fiscal year, signed by CPA.

  * If you have income from:
   Commission
   Overtime
   Bonus
   Partnership
   Rental Property
  Trust
   Notes Receivable
   Interest/Dividends
   You'll need two years' personal federal tax returns

   If employed in family business
   Personal federal income tax returns and all schedules for the past two years

   If divorced or separated
   Complete executed divorce decree and settlement agreement
   Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
   If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.