Self-EmployedPart 2 of 2
Required Documents for Self-Employed Borrowers
The complete checklist of what you'll need to provide.
Self-employed borrowers need to provide significantly more documentation than W-2 employees. Here's your complete checklist.
Tax returns: Two years of personal returns (all pages and schedules) plus two years of business returns if you have a separate business entity. You'll also need to sign IRS Form 4506-C allowing the lender to verify your returns.
Business documentation: Year-to-date profit and loss statement, business bank statements (typically 2-3 months), business license, and sometimes a CPA letter.
Standard documents: Two months of personal bank statements, government ID, and any additional documents specific to your loan program.