Downloadable Checklists
Pre-Loan Checklist: Documents Lenders Usually Ask For
Get these together before you apply. It speeds everything up.
3 min read
Personal:
- Government-issued ID for every borrower
- 2 years of W-2s or tax returns
- 30 days of pay stubs
- 2 months of bank statements
- Statements for retirement / investment accounts
Project:
- Signed builder contract with scope and price
- Detailed cost breakdown (hard + soft costs)
- House plans / blueprints
- Lot purchase contract or deed
- Builder's license, insurance, and references
Lenders' exact requirements vary — your loan officer will give you a final list, but having these ready ahead of time keeps the timeline moving.
Educational content only. NBLOCK Consulting does not provide legal, financial, lending, tax, insurance, or construction advice. Requirements vary by state, county, lender, and project — always confirm with the appropriate licensed professional.
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