When I got a loan for my camper, the bank only required my last 2 years of tax returns to verify my income. The nice thing is that my income grew considerably, so they were happy to see that. It's gonna make another nice jump up on this year's return, so when I go to them for money to build a house, I'm hoping that they'll give me it
I agree with Dennis, the more you put down, the better chance you'll have to get the loan. I'm looking at building a $290K home. I already have a $20K piece of land paid in full and am hoping that I can have $80-100K in cash to put down on it, so I'm hoping that it won't be a problem.