What documents do I need to provide to a lender to qualify for a mortgage?

When applying for a mortgage in Kansas, there are several documents a lender will ask you to provide. The most important document is your credit report, which will give the lender an idea of your credit score and history. Additionally, you will need to provide two years’ worth of your W-2 forms, which document your income. Banks and other lenders also require proof of income in the form of paystubs and bank statements so they can verify your financial stability. You will also need to provide documents showing your current employment, such as a letter of employment from your employer, as well as proof that you have the assets necessary to cover the mortgage payments. Assets include such things as savings accounts, stocks, bonds, and retirement accounts. Finally, lenders may ask for additional documents, such as your driver’s license or other forms of identification to verify your identity, and documents related to any criminal convictions you may have. It is important to provide accurate and up-to-date documents so lenders can make a more informed decision about whether to approve your mortgage.

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What documents do I need to provide to a lender to qualify for a mortgage?

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