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FHA Loans - Documents Needed for FHA Loan
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The most important thing to understand is that the loan approval process is 100% dependant on your documentation. To insure a smooth transaction, it is imperative that you have all of your documents gathered prior to you initial loan application. Following is a list of all the documents you will need. Please feel free print this screen and use this as a checklist.

Employment Information

  • Most recent two years complete tax returns with all schedules.
  • Most recent two years W-2's, 1099's, etc.
  • Most recent pay stubs covering one month period.
  • If Applicable: Self-Employed will need Three years Tax Returns and YTD Profit & Loss Statement.

Savings Information

  • Most recent three months complete bank statements for any and all accounts with all pages.
  • Most recent statement from retirement, 401k, mutual funds, money market, stocks, etc.

Credit Information

  • Most recent statements from your bills, indicating minimum payments and account numbers.
  • Name, Address, and Phone number of your landlord, or 12 months cancelled rent checks.
  • If Applicable: Should you have no credit. Copies or your most recent utility bills will be needed.
  • If Applicable: Copy of complete Bankruptcy and Discharge Papers.
  • If Applicable: If you co-signed for a mortgage, car, credit card, etc, need 12 months cancelled checks. front and rear, indicating you are not making payments.

Personal Information

  • Copy of Drivers License.
  • Copy of Social Security Card.
  • If Applicable: Copy of  complete Divorce, Palimony, Alimony Papers.
  • If Applicable: Copy of Green Card or Work Permit.
  • If Applicable: If you own another home(s) - see below

If a Refinance or you own Rental Property

  • Copy of Note & Deed from current loan.
  • Copy of Property Tax Bill.
  • Copy of Hazard (homeowners) Insurance Policy.
  • Copy of Payment Coupon for current Mortgage.
  • If Applicable: If property is multi-unit, need Rental Agreements.

Additional documents may be needed upon review of your file and on a case-by-case scenario.

Now that you know the documents that will be needed, learn about how your income will affect your loan qualifications by clicking ra.gif (855 bytes)Here.
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    Qualification Summary

    Income

    Credit

    Savings

    Ratio's

    FHA Loan Closing Costs

    Loan Processing

    Submission

    Underwriting

    FHA Loan Approval

    Loan Documents

    Funding your FHA Loan

    Recording

    Closing your Escrow

    Property Appraisal

    Possible Delays

 

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We are not a government agency.  FHA home loans are not originated by the HUD or FHA. HUD only insures FHA loans and HECM reverse mortgages. FHA loans are originated and funded by HUD approved FHA home loan lenders. FHA-Home-Loans.com is not a mortgage lender and does not make or offer fha loans directly or indirectly.  Information about FHASecure refinance program to help borrowers who are facing foreclosure and must refinance.FHA-Home-Loans.com is owned and operated by a private company specialized in providing information about FHA loans and does not make or offer FHA home loans and FHA mortgages. FHA-Home-Loans.com is not affiliated with or owned, operated, endorsed or sponsored by HUD, Federal Housing Administration or FHA. Contact HUD directly at: www.hud.gov
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