Identification Documents
A copy of your valid government-issued photo ID such as a passport or driver's license Proof of address like a utility bill or rental agreement Social Security Number or Individual Taxpayer Identification Number Any other identification documents specified by the lender
Financial Documents
Recent pay stubs or income tax returns Bank statements for the past few months to verify income and expenses Documentation of other sources of income such as freelance work or investments Details of existing loans and debts
Employment and Income Verification
Employment verification letter from your employer W-2 forms or 1099 forms for the past two years Proof of stable income and employment history
Credit History Documents
Credit report from one or more of the major credit bureaus Details of any past bankruptcies, foreclosures, or delinquencies Explanation of any negative marks on your credit report
Loan Application Forms
Completed loan application form provided by the lender Personal information such as name, address, contact details