LENDNATION WIKI

Proof of Address

Proof of address is a document that confirms where you live. Some lenders  ask for it to verify your identity and meet state requirements. It is a standard part of the loan application process. The document must show your full name, current street address, and a recent date. They generally ask for a document dated within the last 30 to 90 days.

Why Lenders Ask for Proof of Address

Checking your address is part of the identity process. Lenders check that your application details match what is on file. Your address also sets which state rules apply to your loan. Products, fees, and terms vary by state.

Accepted Documents

Common forms of proof of address include:

  • Utility bills (gas, electric, water, or internet)
  • Bank or credit union statements
  • Government mail, such as a tax notice or benefits letter
  • Lease or rental agreement
  • Mortgage statement
  • Insurance policy or premium notice

Printed bank or utility statements are often accepted. The document must be dated, show your full name, and list a street address. PO boxes are not accepted on their own.

What Makes a Document Valid

To be accepted, the document needs to:

•      Show your full legal name

•      Show your current street address, not a PO box

•      Be dated within the last 30 to 90 days

•      Come from a bank, utility provider, or government agency

 <H2> Proof of Address vs. Proof of Identity

These are two different things. Proof of identity confirms who you are, like a driver’s license or passport, which  is the most common form. Proof of address confirms where you live. LendNation loan applications need both. In some cases, a state-issued ID with your current address may cover both, depending on the product and state.

Summary

Proof of address confirms your current residence and is a standard part of applying. Utility bills and bank statements are two common options. Make sure your document is recent, shows your full name and street address, and comes from a known source. Requirements vary by state and product. If you have questions, review our FAQs, call us or stop by a Store Near You and we will walk you through it.