Documents you'll need to apply
To apply for a loan, your lender needs a clear picture of your employment and financial history. Gathering these ahead of time keeps your pre-qualification moving quickly, with no back-and-forth delays.
Identity & Employment
Confirms who you are and how you're paid.
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✓Social Security numbers For you and any co-borrowers on the loan.
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✓Recent paycheck stubs Your most recent pay stubs showing year-to-date earnings.
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✓W-2s or two years of tax returns Used to verify your income and proof of employment.
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✓Employment verification contact The name and address of someone who can confirm your employment.
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✓Two-year residence history Addresses of where you've lived over the past two years.
Assets & Bank Statements
Shows what you have available and where it comes from.
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✓Two months of checking & savings statements Complete statements, all pages, for every account.
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✓Evidence of other assets Stocks, bonds, or retirement accounts like a 401(k) or 403(b).
Property & Purchase Details
Specific to the home you're buying.
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✓Signed sales contract The purchase agreement for your new home.
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✓HOA / condo association information Contact details, if the property is a condo or part of a homeowner's association.
Why we ask for all of this upfront
Your lender will request a credit report and verify everything on your application against these documents. The more complete your file is on day one, the faster your pre-qualification - and the fewer surprises later in the process. If something on this list doesn't apply to you (like a co-borrower or condo association), just skip it.
Ready to get started?
A Coltrain loan officer can tell you exactly what applies to your situation.
Not sure which loan program fits you first? See our full purchase loan overview.