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the paperwork, pre-gamed.
Files that arrive complete close fast. Here's everything underwriting will want — gather it once and the rest of the process is mostly us.
✓
everyone
- Photo ID
- Last 2 years of W-2s (or full tax returns if self-employed)
- Last 30 days of pay stubs
- Last 2 months of bank statements (all pages)
- Statements for retirement/investment accounts used in qualifying
✓
self-employed
- Last 2 years of personal AND business tax returns
- Year-to-date profit & loss statement
- Business bank statements
- (Our tax team can produce all of this if we do your books)
✓
situational
- Gift letter, if family is helping with the down payment
- Divorce decree / child support orders, where applicable
- Bankruptcy or foreclosure paperwork with dates, if in your history
- VA Certificate of Eligibility (we can pull this for you)
- Current mortgage statement (for refinances)
Send documents by secure upload, email or in person — never text photos of bank statements to anyone, including us.