Even if you are not ready to meet with a loan officer, getting your documents together now can help you when you decide to apply for your mortgage.

Here is a list of the most common documents your lender will need.

• Credit Report
• Tax Returns
• Bank Statements
• Investment Reports
• Pay Stubs from Your Employer
• Employment Records
• Proof of Gifts (If you are using a gift for your down payment)
• Other Documents: If you a first time home buyer, you may be asked for rental history.

This list is just a start. Additional documentation may be requested based on what the lender needs for your unique case. Preparing your documentation before you apply will make the loan process much smoother for everyone involved.