Watch the video below to learn what underwriters need to see — and how to prepare your retirement account statements correctly.
Retirement accounts like 401(k)s, IRAs, and TSPs can be used to strengthen your loan file by showing available assets and long-term financial stability.
Even if you don’t plan to use these funds for closing, lenders may review them to confirm overall reserves, risk level, and your ability to handle future payments.
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This protects you and helps prevent last-minute approval issues.
Use the provider’s website (Fidelity, Vanguard, TSP, etc.) to download the official PDF. Not screenshots — we need complete pages, including the summary page
Even if a page is blank, the underwriter must see it.
If the account is joint or through an employer, confirm ownership is clear.
Typically within the last 60 days (or per lender guidelines).
