Your Guided Journey

Every step to buying a home in Washington, with WA-specific notes. Check off steps as you go - your progress is saved automatically.

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Document Checklist

You'll need this paperwork for Phase 2 — Pre-Approval. Lenders ask for the same core documents, so gather everything up front and pre-approval goes far more smoothly. Print it (or save as a PDF) to check off as you go.

💼 Income & Employment

  • Last 2 years of W-2sFrom every employer.
  • Recent pay stubsCovering the last 30 days.
  • Last 2 years of tax returnsAll pages and schedules.
  • Proof of other incomeBonuses, alimony, Social Security - if applicable.

🏦 Assets & Savings

  • 2 months of bank statementsAll pages, even blank ones.
  • Retirement & investment statements401(k), IRA, brokerage accounts.
  • Down payment sourceShow where the funds came from.
  • Gift letterIf any down-payment money is a gift.

🪪 Identity

  • Government photo IDDriver's license or passport.
  • Social Security numberFor your credit check.
  • 2-year address historyWhere you've lived and rented.

💳 Debts & Obligations

  • List of monthly debtsCar, credit cards, personal loans.
  • Student loan statementsCurrent balance and monthly payment.
  • Child support / alimony docsIf applicable.

🧾 If Self-Employed

  • 2 years of business tax returnsIncluding all schedules.
  • Year-to-date profit & lossSigned and dated.
  • Business license or formation docsProof the business exists.

💡 Good to Know

  • Keep digital copiesScan or photograph everything into one folder.
  • Don't make big money movesAvoid large deposits or new debt while applying.
  • Ask your lender earlyRequirements vary slightly by loan type.