* Bank statements for previous two months (sometimes three) on all accounts. All pages, even if you don't think them important.
* Statements for two months on all stocks, mutual funds, bonds, etcetera
* Copy of latest 401K statement (or other retirement assets because they can count as reserves)
* Explanations for any large deposits and source of those funds
* Copy of HUD1 Settlement Statement on recent sales of homes
* Copy of Estimated HUD1 Settlement Statement if a previous home is for sale, but not yet closed
* Gift letter (if some of the funds come as a gift from a family member - the lender will supply a blank form)
* Gifts can also require:
o Verification of donor’s ability to make the gift (bank statement)
o Copy of the check used to make the gift
o Copy of the deposit receipt showing the funds deposited into bank account or escrow
* Note: many get their statements of various kinds over the internet and these are not always acceptable to lenders, especially when the printed version does not contain the borrower's name, account number, and the name of the institution.
