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Applying for FHA Loans: Documents You Will Need

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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.
While these are the documents that you will need in general, more documents may be requested depending on your specific situation.