What Documents are Needed to Apply for a FHA Loan?

Your loan approval depends on the documentation that you provide at the time of application and during loan processsing. You will need to give accurate information on:

Employment/Income

• Complete Income Tax Returns for past 2-years
• W-2 & 1099 Statements for past 2-years
• Current Social Security/Disability Award Letters, if applicable
• Consecutive Pay-Check Stubs for past 1-month
• Self-Employed Income Tax Returns and YTD Profit & Loss Statements for past 2-years

Savings

• Complete bank statements for all accounts for past 2-months
• Recent account statements for retirement, 401k, Mutual Funds, Money Market, Stocks, etc.

Credit

• Recent bills & statements indicating account numbers and minimum payments
• Landlord's name, address, telephone number, or 12- months cancelled rent checks
• Recent utility bills to supplement credit with little revolving or installment history
• Bankruptcy & Discharge Papers, if applicable
• 12-months cancelled checks written by someone you co-signed for to get a mortgage, car, or credit card, this indicates that you are not the one making the payments.

Personal

• Drivers License
• Social Security Card
• Any Divorce, Palimony or Alimony or Child Support papers
• Green Card or Work Permit, if applicable
• Any homeownership papers

Refinancing or Own Rental Property

• Note from any Current Loan
• Property Tax Bill
• Hazard Homeowners Insurance Policy
• A Payment Coupon for Current Mortgage
• Rental/Lease Agreements