Forms & Documents
Know what to gather before you apply.
A quick overview of the documents most borrowers need for a purchase or refinance review — so nothing catches you off guard once underwriting starts.
Income & Employment
- Recent pay stubs (last 30 days)
- W-2s (last 2 years)
- Federal tax returns (last 2 years, if self-employed or commissioned)
- Employer name and contact information
Assets & Down Payment
- Bank statements (last 2 months, all pages)
- Retirement or investment account statements
- Gift letter, if any funds are gifted
Identification & Credit
- Government-issued photo ID
- Social Security number
- Authorization to run credit
Property Details
- Signed purchase agreement (for a purchase)
- Most recent mortgage statement (for a refinance)
- Homeowners insurance contact and property tax bill
Self-employed, an investor, or a foreign national? Your file may call for additional documentation — Nicolas will confirm exactly what is needed once he reviews your scenario.
Next step
Ready to get started?
Start with a short pre-approval request, or jump straight into the full application if you are ready.
Citadel R&C Inc · DRE 02164531 · NMLS 2286403. Loan programs, documentation requirements, maximum LTV, rates, terms, and eligibility vary by lender and borrower scenario. All loans are subject to underwriting approval and program availability. This is not a commitment to lend.