Pro Tip: Always start with the "All Loan Types" checklist — those documents are required regardless of which program you choose. Then gather the documents specific to your loan type.
Document Checklists
By Loan Type
Select your loan program below and collect everything you'll need before submitting your application.
All Loan Types
Required for every application
- Government-issued photo ID (Driver's license or passport)
- Social Security Number
- Signed purchase agreement or property address
- Last 2 months bank statements (all accounts)
- Last 2 months asset/investment account statements
Conventional Loans
Standard residential mortgage
- Last 2 years W-2 forms
- Last 2 years federal tax returns (all pages)
- Most recent 30 days pay stubs
- Employer contact info for verification
- Self-employed: 2 years business tax returns + YTD P&L
- Gift letter (if using gift funds for down payment)
- Explanation letter for any credit inquiries or derogatory marks
FHA Loans
Government-backed, first-time buyer friendly
- Last 2 years W-2 forms
- Last 2 years federal tax returns
- Most recent 30 days pay stubs
- FHA case number (assigned by lender)
- Proof of bankruptcy discharge (if applicable)
- Landlord contact info for rental history verification
- Gift letter (FHA allows 100% gift funds)
VA Loans
Exclusive to veterans & active military
- Certificate of Eligibility (COE) — can be obtained through lender
- DD-214 (Certificate of Release for veterans)
- Statement of Service letter (for active duty)
- Last 2 years W-2 forms
- Most recent 30 days pay stubs
- VA funding fee waiver documentation (if disability-exempt)
- Divorce decree / child support docs (if applicable)
USDA Loans
Rural & suburban zero-down financing
- Last 2 years W-2 forms and federal tax returns
- Most recent 30 days pay stubs
- Proof of US citizenship or legal residency
- Property eligibility confirmation (USDA rural area)
- Household income documentation for all members
- Prior year federal tax returns for all household adults
Jumbo Loans
High-value properties over conforming limits
- Last 2 years W-2 forms and federal tax returns
- Most recent 60 days bank & asset statements
- Most recent 30 days pay stubs
- Proof of reserves (typically 12–18 months PITI)
- CPA letter (if self-employed)
- Documentation for all other real estate owned (REO)
Commercial Loans
Income-producing & investment properties
- Last 2 years business tax returns (all schedules)
- Last 2 years personal tax returns
- Year-to-date profit & loss statement (CPA-prepared)
- Current rent roll (for income-producing properties)
- Last 12 months operating statements
- Business entity documents (LLC/Corp formation docs)
- Existing property leases
- Environmental reports (Phase I if required)
Bridge Loans
Short-term gap financing
- Executive summary / deal overview
- Purchase contract or LOI
- Exit strategy documentation
- Property appraisal or BPO
- Last 6 months bank statements
- Renovation/construction scope of work (if applicable)
- Current property financials (if refinancing)
Construction Loans
New builds & major renovations
- Signed construction contract with licensed builder
- Builder's license and insurance certificates
- Detailed construction plans and permits
- Itemized construction budget / cost breakdown
- Land purchase contract or proof of ownership
- Last 2 years tax returns and W-2s
- Builder's resume or track record
DSCR Loans
Investor loans based on property income
- Lease agreements for subject property
- Market rent analysis (if vacant)
- Property appraisal with DSCR analysis
- Entity documents (if purchasing in LLC)
- Last 12 months bank statements
- No personal income documentation required
Fix & Flip Loans
Short-term rehab & resale financing
- Purchase contract
- Detailed scope of work and rehab budget
- Comparable sales analysis (ARV support)
- Proof of experience (prior project list or portfolio)
- Last 3 months bank statements
- Entity documents (LLC recommended)
Hard Money Loans
Asset-based, fast-close financing
- Purchase contract or property address
- Property appraisal or BPO (Broker Price Opinion)
- Executive summary / deal overview
- Exit strategy documentation (sale, refinance, etc.)
- Last 3 months bank statements
- Entity documents (LLC/Corp if applicable)
- Renovation scope of work and budget (if rehab)
- Track record or prior project portfolio (if available)
Private Money Loans
Flexible private capital financing
- Property details and purchase contract or refinance info
- Executive summary / deal overview
- Exit strategy documentation
- Last 6 months bank statements
- Property appraisal or comparable sales analysis
- Entity documents (LLC/Corp if applicable)
- Existing leases or rental income documentation (if income property)
- Borrower background / experience summary
Multi-Family Loans
5+ unit apartment and residential portfolio
- Current rent roll with unit mix and lease terms
- Last 12 months operating statements
- Last 2 years property tax returns (Schedule E)
- Business entity documents (LLC/Corp)
- Last 2 years personal tax returns
- Property appraisal (MAI-certified)
- Phase I environmental report (if required)
- Existing leases for all occupied units
SBA 504 Loans
Owner-occupied commercial real estate
- Last 3 years business tax returns (all schedules)
- Last 3 years personal tax returns (all owners 20%+)
- Year-to-date profit & loss statement and balance sheet
- Business entity documents (Articles of Incorporation, Operating Agreement)
- Business plan (for startups or new businesses)
- Personal financial statement (SBA Form 413)
- Purchase contract or appraisal for the property
- Existing business debt schedule
HELOC & Home Equity Loans
Tap your home equity
- Most recent mortgage statement(s)
- Property tax bill or assessment
- Homeowners insurance declaration page
- Last 2 years W-2 forms and federal tax returns
- Most recent 30 days pay stubs
- Last 2 months bank statements
- Home appraisal (ordered by lender)
Refinance Loans
Rate/term or cash-out refinance
- Current mortgage statement(s) for all properties
- Homeowners insurance declaration page
- Property tax bill
- Last 2 years W-2 forms and federal tax returns
- Most recent 30 days pay stubs
- Last 2 months bank statements
- HOA statement (if applicable)
- Cash-out purpose explanation letter (if cash-out refi)
