To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Be prepared to give your lender:

• Copies of State ID & Social Security cards for each borrower
• Copies of checking and saving account statements for the past two months (All Pages)
  
• Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program)
• Two most recent paycheck stubs for each borrower
  
• W-2 withholding forms, or income tax returns for the past two years to verify income and proof of employment
• Residence history for the past two years (if applicable)
  
• Sales contract for the purchase of a new home (if applicable)
  
• Homeowner's association information with contact information if property is a condo or part of a homeowner's association