Get Ready! Information you need for a home loan

What you need for a home loan Dwell Real Estate

Talking with a Bank or Lender right now is a very important first step in buying a home. Your Bank or Lender can help guide you, and will let you know how much money you are able to spend on a home! They can also calculate your monthly house payments. With all this great information you will receive, you can make a comfortable and informed decision when buying a home!

Take a moment right now to check your credit! This is simple, easy, and free! Simply go to one of the Major Credit Bureaus; Transunion Equifax, or Experian and log in. From there you may see some “errors” on your credit report. Be proactive, you can easily “dispute” errors on your credit report. Just follow the steps given on the credit bureau websites!

After you check your credit, here is a good place to get started! Start collecting the information that you will need to get qualified for a home loan. You will need to provide the following information to your Bank or Lender.

Paperwork your Bank or Lender will need:

  • 2 months bank statements (every account). All Pages must be submitted even if the pages are blank. Each page must have your account number and your name on them.
  • Pay stubs for the last 30 days (for each person that will be on the loan). The pay stubs must be computer generated and show YTD earnings and deductions.
  • 2 Years W-2’s and Income Tax Returns (All Pages)
  • A copy of the driver’s license for each person on the loan
  • Your Home Owner’s Insurance Agent’s name and phone number
  • Most recent investment account statements (401K, IRA) (All Pages)
  • Provide the full addresses of each place you have lived for the past 2 years for each person on the loan application.
  • Employment verification. Need a list of all employers/addresses/ phone numbers for each company you have worked for in the last 2 years. (For each person on the loan application)


  • A copy of your Divorce Decree
  • A copy of your Child Support Order
  • Bankruptcy papers (including all pages and discharge paperwork)

Contact one of our trusted Preferred Lenders to help you get ready for a home loan.