What document should a loan applicant bring to their initial loan interview?

The most appropriate document for a loan applicant to bring to their initial loan interview is a copy of the purchase and sales agreement. This document outlines the terms of the property purchase, including the price, which is crucial for the lender to assess the loan amount being requested. It provides clear evidence of the buyer's intent to purchase a specific property and helps the loan officer understand the context of the financing request.

While the other documents mentioned can be important for the loan application process, they do not directly relate to the immediate need of establishing the details pertinent to the property transaction. A bank statement may provide insight into the applicant's financial situation, but it does not include the specifics of the property purchase. Similarly, a credit report is essential for evaluating creditworthiness, but it does not define the transaction itself. Proof of employment is vital to demonstrate repayment ability, yet it does not contain information about the property being purchased. Therefore, the purchase and sales agreement is the most relevant document for initiating the loan conversation.