The loan approval process generally begins with an initial interview where the prospective home buyer and the mortgage professional meet to discuss the potential loan. You will need to bring information to verify your income and long-term debts.  Below is a list of items  that you should bring to your meeting:

• Purchase contract for the house

• Your bank account numbers and the address of your bank branch, along with checking and savings account statements for the
  previous 2-3 months

• Pay stubs, W2 withholding forms, tax returns for two years, or other proof of employment and income verification

• Payment history for past few months such as credit card bills, canceled checks for rent or utility bill payments

• Information on other consumer debt such as car loans, furniture loans, student loans and retail credit cards

• Balance sheets and tax returns, if you are self-employed

• Any gift letters, if you are using a gift from a parent or relative or other organization to help pay the down payment and/or closing costs. This letter simply states that the money is
  in fact a gift and will not have to be repaid.