The essentials: – Copy of driver’s license – 2 most recent paystubs – 2 most recent W2s (and/or 1099’s) – 2 most recent Federal tax returns including all schedules (all pages) – 2 most recent checking and savings official account statements (all pages) – 2 most recent retirement account statements (all pages) – Contact information for your homeowners insurance agent (we can recommend one!)   Some additional documents you may need based on your situation and loan program: – Copy of earnest money check once it’s cleared (purchases only) – Copy of your settlement statement from when you purchased the property (refinances only) – Most recent mortgage statement (refinances or other property owned) – Full divorce decree & child support orders – 2 most recent Business tax returns including all schedules and K1s – Most recent social security/pension income awards letter – First time homebuyer class completion confirmation (MSHDA, and 3% down Conventional Loans) – College transcripts (unofficial ok, only if within last 2 years) – Bankruptcy papers (only if within last 7 years)