Requirements For FHA/VA/USDA Loans 

Documents You Need To Be Approved

  • 12 Months Rental History: 12 months canceled checks, for current residence if renting, or 12 months bank transaction history, for direct transfers
  • Asset Statements: 401k, IRA, Retirement accounts: Most recent 2 months & all pages even if they are blank
  • Bank Statements – Last 2 Months: All bank statements for all accounts from the last 2 months. Include all numbered pages of all bank statements!
  • Business Tax Returns – Last 2 Years: Last 2 years of business tax returns to prove income, include all schedules
  • Business Tax Returns – Most Recent Year: All pages and schedules
  • Checking – Bank Statements: Please include most recent 2 months
  • Child Support Order: All pages
  • Copy of Lease: Current lease agreement if renting current residence
  • Credit Card Processing Form for Appraisal: Form to collect credit card info to pay for the appraisal
  • DD Form 214: Certificate of release or discharge from active duty
  • Divorce Decree: Provide full divorce decree or separation agreement
  • Driver’s License: Legible state-issued driver’s license
  • Evidence of Insurance: For all properties owned
  • Federal Tax Returns – Last 2 Years: Last 2 years of federal tax returns to prove income, include all schedules
  • Final Closing Statements: For all properties bought in last 2 years
  • HOA Statement: Most current statement
  • Homeowners Insurance Info: Provide the name and contact details for your insurance agent for the subject property
  • K-1 Statements: Most recent 2 years of all K-1s listed on tax returns
  • Lease Agreement(s): For all properties owned that are currently rented
  • Loan Application (1003): Please complete all fields
  • Mortgage Statement(s): Most recent for all properties owned
  • Pay Stubs – Received in Last 30 Days: Last 30 days of pay stubs to prove income
  • Pension Statement: Most recent statement
  • Private Money Loan App: Complete all fields
  • Saving – Bank Statements: Please include the most recent 2 months
  • Social Security Awards Letter: Obtained from the Social Security Administration
  • Social Security Card: Legible social security card to prove social security number
  • VA Certificate of Eligibility: All pages
  • W-2s – Last 2 Years: Last 2 years of W-2s to prove income
  • YTD Profit & Loss and Balance Sheet: For any business with 25% or more ownership


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