Explore the Mortgage101 Library
Check Local Mortgage Rates
Loan Program Choices
Use our calculator to find out your estimated monthly payment in advance: Enter the loan amount, interest rate, and length of mortgage.
Try our Mortgage Payment Calculator
Documentation is crucial when applying for FHA loans. You will need to provide documents that prove income, savings and credit information. If you already own a property, you will need to provide related documentation for that, as well.
Here is a list of the documents you should bring copies of with you when you apply for an FHA loan.
- Two years of complete tax returns
- Two years of W-2, 1099's, or other income statements
- Most recent month of pay stubs
- Self-employed individuals will need three years of tax returns and a year-to-date profit/loss statement
- Most recent three months of bank, retirement, stocks, and/or mutual fund statements (all accounts and all pages)
- Credit information (most recent statements)
- Individuals without credit will need recent copies of utility bills
- Contact information of your landlord
- Bankruptcy and discharge papers (if applicable)
- Cosign information (proof that you are not responsible for payments on a loan you cosigned)
- Driver's license
- Social security card
- Green card or work permit (if applicable)
If you are refinancing or own another property, you will need copies of:
- Note & deed from current loan
- Property tax bill.
- Hazard (homeowners) Insurance Policy.
- Payment coupon for current mortgage.
- If property is multi-unit bring Rental Agreements.
- Alternatives to Getting a 2nd Mortgage
- Appraisal Basics
- Low Down Payment Loan Qualification
- Short Selling a Rental Property
- Should You Refinance? Make Sure the Timing is Right
- 3 Common Short Sale Mistakes
- FHA Eligibility with Bankruptcy and Foreclosure
- What To Do When Mortgages Default
- What Lenders Don't Reveal About Home Equity Loans