10 Things a Lender Needs to Know

1. W-2 forms or business tax returns if you are self-employed for the last two or three years for every person signing the loan.
2. Copies of one or more months of pay stubs from every person signing the loan.
3. Copies of two to four months of bank or credit union statements for both checking and savings accounts.
4. Copies of personal tax returns for the last two to three years.
5. Copies of brokerage account statements for two to four months as well as a list of any other major assets of value.
6. Copies of your most recent 401K or other retirement account.
7. Documentation to verify additional income such as child support, pension, etc.
8. Account numbers of your credit cards and amounts of any outstanding balances.
9. Lender, loan number and amount owed on installment loans – student loans, car loans, etc.
10. Address of where you lived for the last 5-7 years, with name of landlord if appropriate

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Margaret Biegelman