The documents needed may vary based on your financial situation, but gathering the following information can help keep your application moving:

Property information

• A fully signed purchase and sale agreement, including any amendments or counteroffers

Employment and income

• Names and addresses of all employers from the past two years
• W-2 forms from the past two years and your most recent paystub
• If self-employed, personal and business federal tax returns with all schedules from the past two years, plus a year-to-date profit and loss statement
• Documentation for any Social Security, disability, pension, child support, or alimony income you choose to include

Assets and accounts

• Official bank statements from the past two months for accounts being used for the down payment or closing costs
• Recent statements for stocks, bonds, certificates of deposit, and other investments
• Life insurance policy information if its cash value will be used toward the down payment

Liabilities and credit history

• A complete list of outstanding debts, including loans, student loans, credit cards, and other balances
• Additional documentation for any significant credit concerns within the past seven years, such as bankruptcy, foreclosure, repossession, or default

Every borrower’s situation is different, so not every item may apply. Your Baker Boyer home loan specialist will let you know if any additional information is needed.

Download the checklist

For questions or additional assistance, please contact our Consumer Lending team at CLC@bakerboyer.com or 509-525-2000.