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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:


  • 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


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


  • 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.


  • 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

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