Required Documents to Qualify for Financing
Before visiting the bank or lender to secure financing for your home, ensure you have the following documents prepared:
1. Personal Identification
Valid government-issued photo ID (e.g., passport, driver's license).
- Recent pay stubs (last two or three).
- Employment verification letter (stating your position, salary, and length of employment).
- Tax returns for the past two years (especially for self-employed individuals).
- Notices of Assessment (if applicable).
- Bank statements from the last three months showing savings or investments.
- Documentation of other assets (e.g., property, vehicles).
- Statements for credit cards, car loans, and other debts.
- Any existing mortgage documentation, if applicable.
- Proof of funds (bank or investment account statements).
- Signed gift letter (if using gifted funds for the down payment).
Lenders will pull a credit report, but it’s helpful to review your own for accuracy beforehand.
Property Information (if already selected)
- Copy of the purchase agreement.
- MLS listing.
- Estimated property taxes.
Additional Documentation (if applicable)
- Divorce/separation agreements (if spousal or child support is relevant).
- Business financial statements (for self-employed applicants).
- Rental income documents, such as lease agreements.
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