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Buying a home involves a variety of parts; many people, documents and tasks are needed in order to make your purchase go smoothly. It's better to get organized as soon as possible, but what exactly do you need?
To start, you should get all the paperwork that will be required gathered and organized. Here's a list of the paperwork you'll need to buy a home, depending on what stage of the purchase process you're at:
If you're ahead of the game and still getting ready for your pre-approval or mortgage:
1. Tax Returns (at least one year, if self-employed or commission typically 2 years)
2. W2s (last 2 years)
3. Pay Stubs (last 2 years with year-to-date earnings)
4. Bank Statements (last 2 months)
5. Investment Account Statements
6. Copy of Your Driver's License or Photo ID
7. Credit Report
If you're at the point of submitting an offer:
1. Copy of Your Pre-Approval Letter
2. Sales Contract (signed and dated)
3. Any Addendum
If you're already at closing:
1. Sales Contract (signed by Buyers and Sellers)
2. Title
3. Title Insurance
4. Copy of Your Driver's License or Photo ID
5. Deed
6. HUD-1 Statement
7. Survey
8. Proof of Home Insurance (if required by lender)
9. Proof of Required Repairs
10. Checks
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