In general, the documentation you will need includes:

 Check for application fee.

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Property Information (if you already have a contract on a house)

 Purchase Agreement.
 Copy of legal description and MLS sheet.
 If you are selling your current home, copy of listing contract.
 If you have sold your current home, copy of settlement statement (HUD-1).

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Income & Assets

 Pay stubs for the last 30 days.
 For the past two years: Names and addresses of each employer.
 For the past two years: W-2s
 Statements for each bank, mutual fund, and/or investment account for the last three months.
 Estimated value of personal property and furniture.
 If you have made any large deposits to your accounts: Explanation and source for deposit.
 If large deposit was a gift: Signed gift letter (lender can supply), copy of gift check, copy of deposit receipt.
 Corporate or partnership tax returns if you own more than 25% of a buiness.
 Tax returns for the last three years (with schedules) if you are self-employed.
 Year-to-Date Profit and Loss Statement prepared by an accountant if you are self-employed.
 Tax returns for the last two years and current rental agreements if you own rental property.
 Pension Award Letter if you are retired.
 Social Security Award Letter if you received Social Security.
 Copy of divorce settlement and copy of twelve months of cancelled child support checks if you are counting child support as income.

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Debts

 Names, addresses, account numbers, balances and monthly payments on all current loans.
 Explanation of credit report anomalies, including:
 Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
 Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

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VA Loans

 Copy of DD Form 214, Report of Separation.

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Miscellaneous

 Photo ID and proof of Social Security number.
 Residence addresses for the past two years.
 If applicable, a copy of your divorce decree.
 If you are not a citizen, a copy of the front and back of your green card.