Most lenders request documentation to back up the information you provide. In most cases, the lender will want to see originals of these documents in addition to your purchase contract for the house you plan to buy.
Copy of purchase contract
Last two tax returns, plus accompanying Federal W-2 and 1099 forms
Pay stubs for the last 30 days
Most recent statements for all your credit card accounts
Coupon book for any outstanding home, auto, school or other loans
Bank and brokerage-account statements for the past three months
IRA/Keogh/401(k) statements for the past three months
Title of any cars you own (if less than five years old)
Recent profit-and-loss statements and related documents (if you're self-employed)
Transcript or diploma (if you've been a student in the last two years)
Relocation agreement (if you were transferred into the area)
Sales contract of home you currently own
Divorce or legal separation documents
Bankruptcy files
Award letter and copy of most recent check if you're on Social Security, retirement, disability, or if you receive funds from legal settlement.
