Your loan approval depends heavily on the documentation that you provide at the time of application.  Depending on your employment, credit and asset situation, the following documentation would likely be requested. Employment Complete Income Tax Returns for the past 2-years W-2 & 1099 Statements for past 2-years Pay-Check Stubs for the past 2-months For Self-Employed borrowers – Income Tax Returns and Year-To-Date Profit & Loss Statements for the past 2-years Savings Complete bank statements for all accounts for the past 3-months Recent account statements for retirement, 401k, Mutual Funds, Money Market, Stocks, etc. Credit 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. Personal Drivers License Social Security Card Any Divorce, Palimony, Alimony, or Child Support papers Green Card or Work Permit if applicable Refinancing or Own Rental Property Property Tax Bill Homeowners Insurance Policy A Payment Coupon for Current Mortgage Rental Agreements for a Multi-Unit Property