What kind of paperwork do I need for my loan application?  That depends on what type of work you do, if you are salary, hourly, commission self employed or retired.

The most common type of paperwork would be pay stubs.  I try and get at least 1 months current pay stubs.  With that I would also need to get your W-2’s for the last two years.  This will help me determine your income.  If you are self employed or a commission sales person I would need the complete Federal tax returns for the two previous tax returns that have been filed with the IRS.  1099’s are required for any income not on a W-2 or if you are an independent contractor.

If you are retired I would need pension award letters and social security award letters and 1099’s.

Generally 2 months bank statements are also required (all pages) from the accounts where down payment and closing costs would be coming from.

These are just the basic items need from most people.  Of course everyone is different and it would be best if you called and discussed your situation with me so i can determine exactly what I would need from you to get you APPROVED for a mortgage.