Most applicants are asked for recent pay stubs, W-2s or tax returns, bank statements, and a photo ID. Your loan officer will confirm exactly what’s needed for your loan type after you submit this form. The CFPB has a helpful overview of the homebuying process and paperwork involved.

Filling out this form is just the first step. It lets a loan officer review your information and call to talk through your options. They’ll walk you through exactly when and how credit is checked before anything moves forward.

A licensed loan officer typically follows up within one business day to review your application and outline next steps. You can also read more about the overall home buying timeline from HUD.