What documents do I need for a mortgage application?

For most W-2 buyers: your two most recent pay stubs, last two years of W-2s, two months of bank statements, and a photo ID. Self-employed borrowers add two years of tax returns or bank statements.

You may also need proof of any gift funds, a Certificate of Eligibility for VA, and explanations for large deposits. We send a clear checklist tailored to your situation so nothing holds up underwriting.

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