Documents help turn a rough estimate into a reliable loan conversation. The exact list depends on the borrower and program, but the basics are fairly consistent.
Decision Map
Where This Guide Fits
This is a general education piece. A real answer depends on the full file, property, timing, and current lender or investor guidelines.
Key Takeaways
- Income, assets, ID, credit authorization, and property information are common starting points.
- Self-employed borrowers may need business or tax documents.
- Clear documents early can prevent avoidable delays.
Practical Details To Review
Common purchase or refinance documents
Borrowers are often asked for paystubs, W-2s, tax returns when needed, bank statements, photo ID, insurance information, mortgage statements for refinance, and purchase contract details once available.
Self-employed or complex income
Business owners, contractors, and borrowers with bonuses, commissions, rentals, or retirement income may need additional documentation. That can include tax returns, K-1s, profit-and-loss statements, or award letters.
What not to send through a basic form
Upload sensitive documents only through the secure application portal. Do not send Social Security numbers, account numbers, or financial documents through public website forms or email. David and Tasha will clarify which documents your file needs.
Rates, terms, and eligibility depend on credit profile, income, property, loan program, occupancy, market conditions, and underwriting approval.