What Documents are Needed to Apply for a FHA Loan?

Below is a comprehensive list of documents required from most lenders.

At Mortgage Moon, we have streamlined the process for you. Please click the Items Needed link to see what is needed for your loan application.

Your loan approval depends 100% on the documentation that you provide at the time of application.

Employment

• W-2 & 1099 Statements for past 2-years
• Pay-Check Stubs for past 30 days
• If Self-Employed - Income Tax Returns and YTD Profit & Loss Statements for past 2 years for self-employed borrowers

Savings

• Complete bank statements for all accounts for past 2 months
• Recent account statements for retirement, 401k, Mutual Funds, Money Market, Stocks, etc.

Credit

• Landlord's name, address, telephone number, or 12 months canceled rent checks
• If no credit, 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.

Personal

• Legible 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

• Property Tax Bill
• Hazard Homeowners Insurance Policy
• Current Mortgage Statement
• If Multi-Unit, Rental Agreements for a Multi-Unit Property