Document checklist
Gather these before you apply and underwriting moves faster.
Everyone
- Government photo ID
- Last 30 days of pay stubs
- W-2s for the last two years
- Two years of federal tax returns, all schedules
- Two months of bank and investment statements, every page
- Explanation and documentation for large deposits that aren't payroll
Self-employed
- Two years of business returns (1065, 1120-S, 1120) if you own 25% or more
- K-1s
- Year-to-date profit and loss statement
- Business license or CPA letter, depending on the lender
ITIN and non-U.S. citizens
- ITIN letter (CP565) or residency documents
- Passport and visa or green card
- Proof of 12–24 months of residence and income history
Don't send these through the website
We never ask for Social Security numbers, account numbers or ID images through web forms. Documents go through the lender's secure portal.
Reviewed by Mustafa Temiz, CPA, NMLS #2450795 · Updated November 2026
Talk to someone who reads tax returns for a living
A short pre-application takes about five minutes. We call you back, look at your numbers and tell you plainly which loan programs fit.
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or call (949) 624-4500