The documents you will need for your mortgage application will depend on your credit scores and the type of loan you are obtaining. If your FICO scores are very high (over 700) you may only need a credit report (which will be obtained by the lender) and verification of your employment (which will be verified by the lender.)

If your credit scores are lower or you are obtaining 100% financing, your lender will need:

• your full name(s)

• social security number(s)

• address(es) for the last five years

• employer(s) for the last five years

• last two paycheck stubs with year-to-date earnings

• last two banks statements for ALL accounts that have money in them (including 401Ks, stocks, mutual funds, etc)

• last two years of W-2s.

If you are self employed the lender will also need complete tax returns for the past two years and a year-to-date profit and loss statement. If you have had a bankruptcy you will need your discharge papers. If you have been divorced you may also need to supply the divorce decree.

Additional information may also be requested, but with this much up front most of the time the lender can accurately gauge how much you will qualify for.

Featured Homes

MGM City Center

Golf Course Home

Awesome in Anthem


Summerlin Beauty!

Silverado Condo

Lake Las Vegas

More featured
Las Vegas homes