Ask Nanci
What documents do I need to buy a home?
Short Answer
To buy a home you typically need identification, proof of income like pay stubs and tax returns, bank statements, and a pre-approval letter from your lender. Your lender will request more as underwriting proceeds, so keeping everything organized early makes the process smoother. A clear, current file helps you move quickly when the right home appears.
The basics every buyer needs
At the start, you will want a government-issued photo ID, your recent pay stubs, your last couple of tax returns, and bank statements showing your savings and any down payment funds.
Having these ready before you make an offer puts you ahead of most buyers.
What the lender asks for
As your loan moves through underwriting, the lender will ask for more: verification of employment, asset statements, and explanations for large deposits or unusual activity in your accounts.
Each request is routine, and responding quickly keeps your loan on schedule.
Why pre-approval matters
A pre-approval letter is your proof to sellers that you are a serious, qualified buyer. It is based on a real review of your credit and finances, not just a conversation.
It also tells you your real budget, so you look at homes you can actually afford.
Keep documents current
Documents can expire or go stale, like a pay stub that is months old or a bank statement from before your last move. Keeping everything current avoids last-minute scrambling.
If your job or finances change after pre-approval, tell your lender right away so there are no surprises.
What happens at closing
At closing, you will sign the loan documents and the deed paperwork, and you will need your ID and a cashier's check or wire for your closing costs and down payment.
Your closing agent will give you a clear list of what to bring ahead of time.
Have another question?
Every message is answered within one business day, in English or Spanish. No jargon, no pressure.