What You Need

A picture ID

Proof of Social Security

Residence address(es) for the past two years.

Names and addresses of each employer for the past two years.

W-2s and last two pay stubs.

For each checking and savings account: name of financial institution, address, account # balance and last two month’s statements.

If you are self-employed, you will need the last two year’s tax returns and year to date profit and loss statement prepared by an accountant.

Loan information and address(es) of real estate owned.

Estimated value of furniture and personal property

Certificate of eligibility or DD214s (VA only)

Deposit for credit report and appraisal

Evidence of source of down payment if other than checking or savings.

What you will need to do before a closing.

Be sure to review all loan documents and your purchase agreement.

Do a final “walk though” inspection.

Make sure that all repairs have been made and no items in your agreement have been changed or removed from the house.