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What Documents are Needed to Apply for an 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:




  • 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




  • Complete bank statements for all accounts for past 3-months

  • Recent account statements for retirement, 401k, Mutual Funds, Money Market, Stocks, etc.




  • Recent bills & statements indicating account numbers and minimum payments

  • Landlord's name, address, telephone number, or 12- months canceled rent checks

  • Recent utility bills to supplement thin credit

  • Bankruptcy & Discharge Papers if applicable

  • 12-months canceled 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.




  • 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

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