What you need to have ready:

Last 2 years of W-2's

Last 2 months of Bank Statements

Last month of Paystubs

Other sources of income:

Social Security award letter

Pension or 401k statement

Child Support Divorce Decree

What to avoid:

Debt to Income ratio's over 30%

No lates in the last 12 months

No non-medical collections.

Everyone's situation is different so give me a call to go over your scenario.