The documents that you need to apply will vary depending on your situation and loan program.  This is a list of the standard items that are needed to process a mortgage application:

TYPE OF INCOME:

1. W-2 Employees:  a recent paystub and W-2's from the last two years
2. Self-Employed/1099/rental income:  federal tax returns from the previous two years, including all schedules
3. Fixed income:  award letter and proof of receipt for the past three months

Liquid Assets:  a complete, recent account statement, including all pages.

Liquid assets include:  checking and savings accounts, money markets, CD's, stocks, bonds, mutual funds, whole life insurance (cash/surrender value), 401k, IRAs, and other types of cash accounts from which money could be withdrawn if needed.

Other items as applicable:  agreement of sale, rental lease(s), alimony/child support court order, letter(s) of explanation, source of large deposits, rental payment history, receipts of paid credit accounts, gift letter, homeowner's insurance coverage binder, relocation agreement, HUD-1 from recent sale(s) or purchase of real estate

Please contact us for a more specific list for your situation.