Identity & personal
Government-issued photo ID (driver's license or passport)
Social Security number for each borrower
Income — W-2 employees
Most recent 30 days of pay stubs
Last two years of W-2s
Last two years of federal tax returns (all pages, all schedules)
Income — self-employed / 1099
Last two years of personal federal tax returns
Last two years of business tax returns (if applicable)
Year-to-date profit & loss statement (CPA-prepared or self-prepared)
Two years of 1099s (for 1099 contractors)
Assets
Two most recent months of statements for every account you'll use for down payment / reserves — all pages, even blanks
Gift letter (if funds are being gifted) and donor's ability-to-give evidence
Other
Bankruptcy or foreclosure paperwork (if within 7 years)
Divorce decree / child support order (if applicable)
Current lease and landlord contact (if renting)