What Documents Are Needed For A Home Loan?

Nevin Bunnell, VA Loans, Mortgage Lender

A Trusted Mortgage Lender in Hampton Roads

When you decide to purchase or refinance a home you will need to fill out a loan application form, gather several documents, and sign a set of disclosures in order to initiate the mortgage process. These documents include things like tax returns, pay statements, bank statements, and so forth. Get the process moving and see how easy it can be.

When all disclosures are signed and you have supplied all the requested documents, then the mortgage process can begin. Your credit will be reviewed and your income will be analyzed to determine how much house you can afford. There are different loan programs to choose from as well. Consult with your loan officer as certain programs require specific qualifications. Some choose to start by taking a free home buyer class.

Here is a list of some the basic documents/ information you need to supply:

  • Copy of your driver’s license
  • Last 2 years of signed filed tax returns and W2s
  • Last 2 months of bank statements ( be prepared to clarify the source of any large deposits )
  • Last 30 days of pay-stubs

Further documentation may be required if there are divorce/ child support issues, rental properties, retirement income, or if you have filed bankruptcy.

Your cooperation and quick response to requests the loan officer makes will help expedite your loan and save future stress and delays in the process.

Securing a home loan these can seem like a daunting task, however, the pains can be significantly reduced given the proper guidance from  trusted professionals.

Ask me to send you a link and apply online today for a free mortgage analysis!

By: Nevin Bunnell

Loan Officer NMLS #706212

Licensed Mortgage Loan Originator #22815VA


Homes for Sale

Don was an incredible help to our family when buying our first home. He was very patient while helping us through every step of the buying process. I would definitely recommend Don Maclary for your house-buying/selling needs. He helped us understand the process and what our needs really were.
~ Amber, Real Estate Buyer

About Don Maclary
The postings on this Real Estate site are made by Don Maclary - Realtor and do not necessarily represent the positions, strategies or opinions of Howard Hanna William E. Wood.