Does every lender require the same information? 
The short answer is NO, however...

The reality is that “Conventional and Government type” loans, are likely to be Securitized and sold in what is called the Secondary Market. When this is the case, the answer is yes, there is for the most part, a standard list of required items. It is important to realize that sometimes information found in a borrowers personal documents, may create further questions in an Underwriters mind, which could require further investigation and the need to provide more documents. 

When it comes to “Portfolio Products”, or non-conventional loans, such as the ones that might accommodate for Investment Properties, Commercial Loans, High Loan Balances, less than perfect credit, Privately Funded loans, or Seller Carry Back type loans, each lender is likely, to have their own needs list. 

With all that being said, if you want to make life easy, negotiate the best rate & terms, and make your loan Application Process flow as smoothly and as quickly as possible, refer to the list below

Copy of current Drivers’ License
Social Security Cards
Copy of your DD214 Military Discharge form (If doing a VA loan)
Name and Address of nearest living relative not living with you (If doing a VA loan)
Copy of the Property Tax Bill (For each property you own)
Copy of your Home Owners Insurance Declaration page (For each property you own)
Copy of the most recent Mortgage Payment Coupon (For every Mortgage or Equity Line)
Copy of the Home Owners Association Monthly or Annual Bill (If applicable)
Copy of your existing Second Trust Deed / Mortgage NOTE / Home Equity Line of Credit (If applicable)
Copy of the most recent and last 30 days Pay Check Stubs
Copy of your Social Security (or Disability) Award Letters, for this year (If applicable)
Copies of all W2′s & or, 1099 Forms, for 2014 & 2015
All pages of your 2014 & 2015 Federal Tax Returns (We do NOT need the State Returns)*

All W2's and or 1099 Forms for 2016

If you have already filed your 2016 returns, use those in place of the 2014 returns requested above
Copy of your Business License for the last two years (If applicable)
All pages of Corporate and or Partnership Returns, and any/all K1′s for last two filed years (If applicable)*
A Year to Date Profit and Loss Statement and Business Balance Sheet (If Self Employed)
Copy of all Rental Agreements for any and or all Investment properties (If applicable)
All pages of your last Three Months Bank Statements for all Checking & Savings Accounts*
All pages of your most recent Retirement and or Investment Account Statements*
All pages of complete Divorce Decree / Property Settlement Agreement 
All pages of the Bankruptcy Filing AND Discharge papers, including the Schedule’s “E” & “F” (If applicable)*
Gift Letter from donor stating the amount of gift, the purpose of gift and proof of relationship (If Applicable)
Copy of Purchase Agreement and all Addendums or Counter Offers (If applicable)
Name, Address and Contact information all Landlords over the past 24 months (If applicable)
A short letter explaining your motivation to refinance (If applicable)
A letter explaining the reason for each “Credit Inquire” that shows on your credit report

*Please note: All Pages Bank Statements have pages that say “This page is left blank intentionally”. Your lender must have those pages as well. For Tax Returns, that means all Schedules sent in to the IRS.