Know exactly what documents you'll need before you apply. Select your loan program below to see your personalized checklist.
Everything you'll need to buy a home with conventional, FHA, or VA financing.
Last 2 years from all employers
Most recent 30-day period, all pages
Last 2 years — required if self-employed, commissioned, or rental income
Last 2 years if you own 25%+ of a business
Last 2 months, all pages — checking, savings, and money market
Most recent quarterly statement if using for reserves or down payment
If any portion of down payment is a gift — must include donor info and confirm no repayment
Valid driver's license or passport
Or other proof of SSN
Fully executed sales contract with all addenda
Copy of the cancelled check or wire confirmation
Lower your rate or change your term — here's what we'll need.
Last 2 years from all employers
Most recent 30-day period
Last 2 years if self-employed or variable income
Last 2 months, all pages
Most recent monthly statement showing balance, rate, and payment
Current declaration page showing coverage and premium
Most recent annual property tax statement
Valid driver's license or passport
Access your home equity — here's what we'll need to get started.
Last 2 years from all employers
Most recent 30-day period
Last 2 years
Last 2 months, all pages
If using for reserves
Most recent monthly statement
Declaration page
Most recent annual statement
Valid driver's license or passport
FHA loans require the same core documents as conventional, plus a few FHA-specific items.
Last 2 years from all employers
Most recent 30-day period
Last 2 years — always required for FHA
Last 2 months, all pages — must show 3.5% down payment sourced and seasoned
If using gift funds — letter plus donor's bank statement showing ability to give
Valid driver's license or passport
Or other proof of SSN
Fully executed contract with all addenda
These streamline programs require the fewest documents of any loan type — that's the whole point.
Most recent monthly statement showing current loan balance and payment
Current declaration page
Valid driver's license or passport
Or other proof of SSN
Certificate of Release or Discharge — we can often pull your COE electronically instead
Utility bill or similar showing you live at the property
Start your application now and upload documents through our secure portal.