Documents to start gathering
Get a head start on the paperwork you'll need soon, before it's urgent.
Lenders move faster when you're prepared, and being prepared starts with having your paperwork in one place before anyone asks for it. Gathering these now, rather than scrambling later, takes one of the most stressful parts of the process off your plate.
Checklist
- Last two years of W-2s or tax returns
- Most recent 30 days of pay stubs
- Two months of bank and investment account statements
- Photo ID and Social Security number
- Documentation for any additional income (bonuses, freelance, rental income)
This step is general educational guidance, not legal, financial, or real estate advice — your contract terms, deadlines, and local requirements always take precedence, so confirm specifics with your licensed professionals. Read our full disclaimer.