What Documents are Needed to Apply for a FHA Loan?
Your loan approval depends 100% on the documentation that you provide at the time of application. You will need to give accurate information on:
Employment
- Complete Income Tax Returns for past 2-years
- W-2 & 1099 Statements for past 2-years
- Pay-Check Stubs for past 2-months
- Self-Employed Income Tax Returns and YTD Profit & Loss Statements for past 3-years for self-employed borrowers
Savings
- Complete bank statements for all accounts for past 3-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 thin credit
- 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 & Deed from any Current Loan
- Property Tax Bill
- Hazard Homeowners Insurance Policy
- A Payment Coupon for Current Mortgage
- Rental Agreements for a Multi-Unit Property
Disclaimer
© 2019 Keystone Funding, Inc. All Rights Reserved. 519 S Red Haven Lane, Dover, DE, 19901. Corporate NMLS ID: 144760 (www.nmlsconsumeraccess.org). Keystone Funding Inc. is a mortgage lender licensed by the following states; Delaware, Maryland, Virginia, Pennsylvania, New Jersey, North Carolina, Florida & the District of Columbia.
This is not a commitment to lend. Restrictions may apply. LTV limit is based on current, accurate appraised value. Keystone Funding Inc. reserves the right to amend rates and guidelines. All loans are made in compliance with Federal, State, and Local laws. Keystone Funding Inc. is an equal opportunity lender.
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