Prepare bank statements for a financing review.

Confirm the request before collecting documents

Ask your financing team which accounts, dates and supporting records are needed. Requirements depend on the lender and situation, especially with self-employed or irregular income.

Provide complete, accurate records, including all pages. The CFPB’s application-packet guide explains these preparation principles; its general home-loan checklist is not a specific bank-statement program’s document list.

CFPB: Create a loan application packet ↗

Organize the explanation separately

Make a simple list of the accounts you will discuss, what each is used for and which months are available. Note transfers, unusually large deposits, seasonal changes or an account opened or closed during the period.

Keep your explanation alongside the original statements. Do not edit or remove transactions to make a statement appear cleaner. If an item needs clarification, explain what happened.

Use the right place to share the records

Use the website inquiry to describe your scenario and ask for the next step. Do not paste account numbers or attach bank statements to a public inquiry. Luke can direct you to the appropriate application workflow for your property use.

• Reside: a home you will live in
• Invest: a business-purpose investment property
• Unsure: describe the intended use before starting an application