Homebuyer Document Checklist
The fastest path to preapproval is a complete file. Here is what lenders typically ask for, organized the same way BOLD100's interactive checklist is.
Identity
- Government-issued photo ID
- Social Security number provided directly to your licensed loan officer through a secure channel — never by email and never through this site
Income
- Pay stubs covering the most recent 30 days
- W-2 forms, typically for two years
- Federal tax returns if self-employed, commissioned or landlord income is used
- Documentation of child support, retirement, disability or Social Security income if used to qualify
Assets
- Two months of statements for checking, savings and other asset accounts — all pages
- Retirement or investment account statements if used for down payment or reserves
- A gift letter and paper trail for any gifted funds
Employment
- Two-year employment history including addresses and dates
- Explanation for gaps in employment
- Business license, CPA letter or profit-and-loss statement if self-employed
Special situations
- Divorce decree or separation agreement
- Bankruptcy discharge or foreclosure documentation
- Landlord contact information or 12 months of cancelled rent checks
- Permanent resident card or visa documentation
- VA Certificate of Eligibility or DD-214 for veterans
A note about your privacy
BOLD100 never asks you to upload documents and never collects Social Security numbers, dates of birth, bank credentials or income figures. The checklist inside the workshop is a tracker, not a document vault. Actual documents go directly to your licensed loan officer.