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Search a Home
For Realtors
For MLOs
About CHER
NestNavigate™
ORAVA
Get Pre-Approved
In less than 10 Minutes
Full Name
Email Address
Government-issued photo ID: Driver's license, passport, or state ID.
W-2 Forms: Usually from the past two years.
Pay stubs: At least the last 30 days of consecutive pay stubs.
Tax returns: Full tax returns (both federal and state) from the last two years.
Self-employed applicants: Provide profit and loss statements, 1099 forms, and tax returns for the past two years.
Bank statements: Recent statements (last 2-3 months) for all accounts, including checking, savings, and investment accounts.
Retirement account statements: (e.g., 401(k), IRA, etc.) if applicable.
Gift letter: If you're receiving a gift for a down payment, the lender may require a formal letter from the gift giver stating it is not a loan.
Monthly debt statements: Include statements for student loans, car loans, credit cards, or any other recurring debts.
Contact information for your employer: The lender may reach out directly to confirm your employment.
Employment verification letter (optional): Some lenders might request a letter from your employer confirming your job title, salary, and employment duration.
Credit report: The lender will pull your credit report to assess your score and credit history. You typically don’t need to provide this yourself, but it’s good to be aware of your credit score beforehand.
Proof of rental payments: If you're currently renting, the lender may ask for proof of on-time rent payments (e.g., canceled checks, bank statements, or landlord reference letter).
Divorce decree: If you're divorced, the lender may need this to confirm any alimony or child support obligations or income.
Bankruptcy discharge papers: If you’ve filed for bankruptcy in the past, lenders may request documentation.
Foreclosure documents: If applicable, provide documentation about any past foreclosures.
Legal documents for other income: Documentation for any other sources of income, such as disability, Social Security, or rental property income.
Send
Full Name
Email Address
Government-issued photo ID: Driver's license, passport, or state ID.
W-2 Forms: Usually from the past two years.
Pay stubs: At least the last 30 days of consecutive pay stubs.
Tax returns: Full tax returns (both federal and state) from the last two years.
Self-employed applicants: Provide profit and loss statements, 1099 forms, and tax returns for the past two years.
Bank statements: Recent statements (last 2-3 months) for all accounts, including checking, savings, and investment accounts.
Retirement account statements: (e.g., 401(k), IRA, etc.) if applicable.
Gift letter: If you're receiving a gift for a down payment, the lender may require a formal letter from the gift giver stating it is not a loan.
Monthly debt statements: Include statements for student loans, car loans, credit cards, or any other recurring debts.
Contact information for your employer: The lender may reach out directly to confirm your employment.
Employment verification letter (optional): Some lenders might request a letter from your employer confirming your job title, salary, and employment duration.
Credit report: The lender will pull your credit report to assess your score and credit history. You typically don’t need to provide this yourself, but it’s good to be aware of your credit score beforehand.
Proof of rental payments: If you're currently renting, the lender may ask for proof of on-time rent payments (e.g., canceled checks, bank statements, or landlord reference letter).
Divorce decree: If you're divorced, the lender may need this to confirm any alimony or child support obligations or income.
Bankruptcy discharge papers: If you’ve filed for bankruptcy in the past, lenders may request documentation.
Foreclosure documents: If applicable, provide documentation about any past foreclosures.
Legal documents for other income: Documentation for any other sources of income, such as disability, Social Security, or rental property income.
Send
