What Documents Are Required for a Home Loan?

Are you in the process of applying for a home loan? If so, you may be wondering what documents are required in order to complete the process. Read on to learn more about the documents you’ll need to provide in order to get a home loan.

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There are a few different types of home loans available, and each one may have different requirements in terms of the documentation needed to secure the loan. In this article, we’ll take a look at some of the most common types of home loans and the documentation you’ll need to provide in order to qualify.

Types of Documents Required for a Home Loan

The most important factor in getting a home loan is proving to the bank that you can repay the loan. There are a few different ways to do this, but the most common is by providing the following documents: your income (W-2s, pay stubs, tax returns), your assets (savings account statements, investment account statements, etc.), and your debts (credit card statements, loan statements, etc.).

Income Documents

To qualify for a home loan, you will need to provide a lender with proof of your income and employment history. Most lenders require at least two years of employment history, although some may require more. The following documents are typically required:
-W-2 forms from your employer (or 1099 forms if you are self-employed)
-Pay stubs from the past two months
-Federal tax returns from the past two years (if you are self-employed)

Employment Documents

There are a few employment-related documents that you’ll need to provide in order to get a home loan, such as:
-Your most recent pay stubs
-W-2 forms from the past two years
-Federal tax returns from the past two years
-Your most recent bank statements
-Any other relevant financial documents

Asset Documents

There are a few different types of asset documents that may be required in order to obtain a home loan. These include:

-Proof of income: This could be in the form of tax returns, pay stubs, or other documentation showing your income over time.
-Proof of assets: This could include bank statements, investment account statements, or other documentation showing the savings or other assets you have available to use for a down payment or closing costs.
-Proof of employment: This could include a letter from your employer confirming your employment status and income.

Liability Documents

The following liability documents will be required:
-Most recent tax return
-W-2 forms for the past two years
-Pay stubs for the past three months
-Bank statements for the past three months
-Investment account statements for the past three months

Property Documents

For a home loan, you’ll need to provide proof of ownership for the property you’re borrowing against. That might mean a deed, a mortgage statement or, for condo or co-op owners, a copy of your lease agreement or bylaws. The lender will also want to see that you’re keeping up with any homeowner association dues.


We hope this list of required documents for a home loan helps you gather everything you need to get started with your mortgage application. Remember, this is just a starting point — your lender will likely have additional requirements.

If you have any questions along the way, don’t hesitate to reach out to a lending professional for guidance. They’ll be able to help you understand the process and what else you may need to provide.

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