Appendix: The Buyer’s Master Checklist, Every Document and Its Source

Appendix: The Buyer’s Master Checklist, Every Document and Its Source

A Scene from Real Life

A family in the final week before closing. The lender wants “one more bank statement,” the agent wants “the HOA docs.” This appendix is the list they should have received on day one.

1. Income Papers

Pay stubs: last 30+ days. Where: employer or portal (ADP, Workday). W-2s: last 2 years. Tax returns: last 2 full years. Where: preparer or irs.gov/individuals/get-transcript (free).

2. Bank Statements

Last 2-3 months, every account. Where: bank website (PDF). Every large deposit needs documentation.

3. Credit Reports

All three: Equifax, Experian, TransUnion. Where: AnnualCreditReport.com (free). Dispute errors in writing.

4. Pre-Approval Letter

Where: bank, broker, or online lender. Get 3+ quotes and compare.

5. Flood Zones

Where: msc.fema.gov. High-risk zone = mandatory expensive flood insurance.

6. Licensed Home Inspector

Where: ASHI.org. $300-500. Never use the seller’s suggested inspector.

Action Steps

• Start your “Home Project” file today.
• Request IRS transcripts early (takes days).
• Review all three credit reports; dispute errors.
• Get 3+ pre-approval quotes.

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