Following is the information each borrower will need to provide during the loan application process (these documents are usually uploaded to the lending specialist through a secured link):



  • Non-expired Government ID and Social Security Number
  • Name and complete address for the past 2 years of residence



  • Employment history, including names, addresses, phone numbers for the past 2 years.
  • Copies of your most recent pay stubs(paystubs to cover at least one month) and W-2 forms (past 2 years).
  • Verification of other income (social security, child support, retirement).
  • Copies of signed tax returns including all schedules (past 2 years).  Only need Fed 1040s don’t need CA 540s.
  • Social Security & Pension Award letters.
  • If you have rental property income: Copies of all signed lease agreements.



  • Copies of all bank statements from checking/savings accounts (past 2 months).
  • CD certificates and statements for retirement accounts (most recent 2 months or quarterly statements).
  • Gift funds will need a gift letter of proof of the gift.
  • Final HUD-1for recent sale and proceeds are being used for new down-payment or large deposits in a bank account.



  • Bankruptcy – bring discharge and schedule of creditors.
  • Adverse credit – bring letters of explanation.  Discuss this with your Loan Officer as they can advise you on the best possible way to present the letter(s).