Preparing to Meet with a Loan Officer

Posted on | April 27, 2016



If you want to purchase a home and plan to get a mortgage loan, your first step is to meet with a loan officer. A good loan officer or mortgage broker will work with you to help you determine how much home you can afford. To get the most out of this meeting, it is a good idea to come prepared.

Information to gather before meeting with a loan officer:


  • Identification such as a valid driver’s license or other government issued photo ID
  • Your full legal name and date of birth
  • Current and former address information for the last two years
  • Social Security number

Income / Tax Verification:

  • Most recent bank statements (include bank, retirement, investment, and other assets)
  • Income amounts and sources
  • Employer information for the last 2 years
  • Pay stubs for the last 30 days
  • W-2 forms for the last 2 years
  • Full federal tax returns for the last 2 years
  • Source of funds documentation for any large deposits

If Self Employed

  • Business and personal tax returns for the last 2 to 3 years
  • Year-to-date profit and loss statement and balance sheet
  • List of all business debts

Other Circumstances

  • Divorce decree (if applicable)
  • Bankruptcy discharge documentation
  • Unresolved credit dispute information

Requirements from lender to lender can vary. It is a good idea to visit with them about what information they will require before your meeting.



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This content is provided for informational purposes only and is not to be construed as legal, financial, or real estate advice. 

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