Circle your loan type — some documents only apply to specific programs
Conventional
Fannie / Freddie
Portfolio / Farm Credit
Barndominium / local bank
Orange bar = VA-specific
Purple bar = Barndominium note
Last 2 years federal tax returnsAll pages, all schedules, signed
Last 2 years W-2sFrom all employers
30 days most recent pay stubsYear-to-date earnings visible
Self-employed: 2 yrs business returns + P&LCPA-prepared or signed
VA: Certificate of Eligibility (COE)Pull at VA.gov or lender can request
VA: DD-214 Discharge PapersCharacter of discharge must qualify
2 months bank statements — all accountsAll pages including blanks
Investment / retirement account statementsMost recent quarterly statement
Gift letter (if using gift funds for down payment)Must show funds are a gift, not a loan
Government-issued photo IDDriver's license or passport
Social Security number / cardFor credit pull authorization
Explanation letters for credit issuesLate pays, collections, judgments
Bankruptcy discharge papers (if applicable)Full discharge documentation
Warranty deed or purchase contract for landMust show clear ownership or pending purchase
Boundary surveyLicensed Florida surveyor, dated within 12 months
Title search / title commitmentRequired for most construction loans
Flood zone determinationFEMA flood map — many FL properties are in flood zones
Barndominium: agricultural use documentationFarm Credit / AgCredit may require proof of ag use
Signed builder contract with fixed priceLender won't lend on a verbal quote
Floor plans & building specificationsUsed for appraisal and underwriting
Builder's Florida license numberVerify at myfloridalicense.com
Builder's certificate of insuranceGeneral liability + workers comp
Construction draw schedulePayment tied to milestones, not time
Engineered plans / PE stampFlorida-licensed professional engineer
VA: Building must be permanently affixed to foundationNo pier-only — must be on permanent foundation
VA: Property titled as real property (not personal)Vehicle title must be surrendered if applicable
⚠ Appraisal — Ask Your Lender This Before Applying
How do you handle appraisals when comparable sales are limited in my area?
Have you financed a barndominium or modular home in this county before?
Will you require the appraisal before or after I sign with the builder?
What happens if the appraisal comes in below the contract price?