What documents do I need to apply for a mortgage?

In Kentucky, applying for a mortgage requires specific documents to ensure the lender has an accurate picture of your finances. The most important and essential documents needed are proof of income, such as pay stubs, tax returns, and W-2 forms. You will also need to provide your credit report, which the lender will use to assess your financial history to determine your eligibility. Additionally, you need to provide an estimate of your total liabilities, such as car payments and student loan debt. Other documents that may be requested include bank and savings account statements, investment account information, and proof of insurance. Lastly, you will need to submit a completed mortgage application form, which contains personal information such as your name, address, employment and income history. After submitting all the necessary documents and forms, the lender will review them and you will likely be asked to provide additional documentation. After the lending has evaluated the documents, you will be informed as to whether your application has been approved and be provided with a loan offer.

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What documents do I need to apply for a mortgage?

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