Proof of Identity
Valid government-issued photo ID such as a driver's license, passport, or state ID card. Social Security card or number to verify your identity and eligibility for government programs.
Proof of Income
Recent pay stubs showing your current income and employment status. Tax returns for the past few years to verify your income history. Bank statements to demonstrate your financial stability and ability to afford a home.
Credit History
Credit report from all three major credit bureaus (Equifax, Experian, TransUnion) to assess your credit score and payment history. Explanation of any derogatory marks on your credit report such as late payments, bankruptcies, or foreclosures.
Proof of Assets
Documentation of all liquid assets such as savings accounts, investment accounts, and retirement funds. Information about any real estate or property ownership. Details of other valuable assets that can contribute to your financial standing.
Employment Verification
Employment verification letter from your current employer stating your job position, income, and length of employment. Contact information for your employer to confirm the details provided in the verification letter.