Hi Joyce,

I have several lenders that I can refer you to if you are still searching for loan approval. If you are working with an agent to purchase the home, they will probably have a few they could recommend. Each mortgage company or bank has a list of items that they want to see. Lynn pretty much stated below what they will want to see first.

Good luck on your transaction!

Lending answer:

As a rule of thumb, here is what a bank, lender, or mortgage broker will request to apply for a mortgage:

Income:
W-2s for 2007 and 2006 (or '07 & '06 tax returns for sel-employed borrowers)
Current pay stub(s) covering the most recent 30 day period (or YTD P&L for self-employed borrowers)
Contact info for all employers for past two years (or occupational license for s/e borrowers)
Letter of explanation for any employment gaps greater than 30 days in past two years

Assets:
Most recent bank statement(s) - all pages
Most recent statement for retirement and/or investment accounts

Credit:
Letter(s) of explanation for any derogatory info on your credit report (lender will tell you what these might be)
Letter of explanation for any inquiries on your credit report going back as far as 12 months (lender will give you a list) - lender is looking for assurance than any new inquiries have not resulted in a new account not yet reported to the credit bureaus

You need to contact a mortgage broker who will request approx. 2 years bank statements, w2, tax returns, other source of income, employment verfications. Loan officer will review all your documents for debt ratio, income, including your credit scores determine if you can qualify purchase a home and for what amount.
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