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