- Last two years W-2s or 1099s
- Most recent 30-day paystubs (all pages)
- Social Security awards letter (if applicable)
- Retirement or pension awards letter (if applicable)
- Last two years federal tax returns (self-employed borrowers)
- Year-to-date Profit & Loss statement (self-employed)
For RSU or stock compensation income, Rachel will advise on what documentation SoFi requires based on your vesting schedule.
- Most recent 2 months bank statements — checking & savings (all pages)
- Most recent statement for all investment accounts
- 401(k) or IRA statements (include terms of withdrawal)
- Brokerage account statements (stocks, ETFs, mutual funds)
- Gift letter (if any portion of down payment is a gift)
Large deposits appearing in your bank statements will need to be sourced and documented. Rachel will walk you through this before it becomes an issue.
- Homeowners insurance declaration page
- Most recent property tax bill
- Most recent mortgage statement
- HOA statement (if applicable)
- Rental lease agreements (for investment properties)
- Schedule E from most recent tax return (rental income)
- Fully executed purchase contract
- Earnest money deposit proof (cancelled check or wire confirmation)
- Homeowners insurance quote for the new property
- Contact info for your real estate attorney or title company
- Co-op board package (New York co-op purchases only)
SoFi's On-Time Close Guarantee requires documents to be submitted within 5 business days of initial request. Getting ahead of this makes a real difference.
- Valid driver's license, passport, or government-issued photo ID
- Social Security number (for credit authorization)
- Green card or visa documentation (non-US citizens)
- Most recent mortgage statement
- Current homeowners insurance declarations page
- Most recent property tax bill
- Title insurance policy (if available)
- Second mortgage or HELOC statement (if applicable)