You'll need to have certain documentation on hand when you either speak with a lender face-to-face or apply online.Have an official form of identification on hand, like a driver's license or passport.
You'll also need to provide your Social Security number. Simply telling the lender your number isn't enough. You should either show your Social Security card or a document that includes your number in full, like a tax form.Bring an official document that shows your present address. This can't just be an envelope addressed to you from a friend or family member. It needs to be a legal document, such as a utility bill or bank statement.Bring pay stubs from your current job.
If you're self-employed, then you have to show more employment documentation. Bring profit and loss statements, tax returns, and 1099s for the last two years.Along with your current employment and income level, a lender wants to look at information from the past couple years. Gather W-2 forms and tax returns from the past two years.
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