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-Approved Conventional 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."] ].map(([title, desc], idx) => (

))}

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.

{[ ["Issue your personalized list", "Based on income and transaction type."], ["Secure upload", "Send docs through our preferred channel — not random email threads."], ["Pre-review", "We catch missing pages before underwriting does."], ["Condition sweep", "Only ask for what is still truly needed."] ].map(([t, d], i) => (

Step {i + 1}

))}

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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Recent articles from our blog on conventional loans, credit, and homebuying.

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Frequently Asked Questions

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-Approved Contact Us
(765) 450-8933 Get Started