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Process Guide

What Documents Will I Need?

Most conventional borrowers need government ID, Social Security number, recent paystubs, W-2s, bank statements, and information about debts and the property. Self-employed, gifted, or rental-income files need extra paperwork — getting it together early is the fastest way to close.

Get Pre-ApprovedConventional Overview

Core Document Checklist

Start here for a standard W-2 conventional purchase.

Identity

Driver’s license or passport and Social Security number.

Income

30 days of paystubs and typically two years of W-2s.

Assets

Two months of bank/asset statements with all pages.

Housing history

Landlord contact or mortgage statements as applicable.

Contract package

Purchase agreement, addenda, and earnest money proof once under contract.

Extra Documents for Special Situations

Your file may need more than the basics.

  • Self-employed: tax returns, K-1s, YTD profit and loss
  • Gift funds: gift letter, donor statements, transfer proof
  • Rental owners: leases and Schedule E
  • Divorce or support: decrees and payment evidence
  • Large deposits: source documentation for any big transfers

Upload Clean Files

Make underwriting’s job easy.

  • Include every page of bank statements — even blank ones
  • Avoid cropped photos of documents when possible
  • Explain large deposits before you are asked
  • Keep employer names consistent across forms
  • Update paystubs if your file spans a new pay cycle

How We Collect Documents

A clear checklist beats a scavenger hunt.

Step 1

Issue your personalized list

Based on income and transaction type.

Step 2

Secure upload

Send docs through our preferred channel — not random email threads.

Step 3

Pre-review

We catch missing pages before underwriting does.

Step 4

Condition sweep

Only ask for what is still truly needed.

Keep Exploring

Related guides to help you compare options and move toward pre-approval.

How Long Does Underwriting Take?

Why complete docs shorten underwriting.

Can I Use Gift Funds?

Extra paperwork when gifts are involved.

Self-Employed Conventional Loan

Document expectations for business owners.

Get Started

Get your personalized document checklist.

2MG Daily

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Frequently Asked Questions

Do I need tax returns if I am a W-2 employee?

Often not for a simple W-2 file, but underwriters may still request them in some cases. Commission, bonus, or rental income can trigger returns.

How recent must bank statements be?

Typically the most recent full two months. If statements age out during the process, we will ask for updates.

Can I submit photos from my phone?

Clear scans or PDF downloads are better. If you use photos, make sure every corner and page is readable.

When should I gather documents?

Before you shop seriously. Pre-approval is faster and stronger when income and assets are already verified.

Want Your Exact Document List?

Start with Ryan or Steve — we will give you a conventional loan checklist tailored to your income and purchase plans.

Get Pre-ApprovedContact Us
(765) 450-8933Get Started