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Mortgage Documents Checklist

This list will help you gather information and documents for your mortgage application, to help get the mortgage process off to a fast and efficient start. Please note: we need this information for each applicant.

If you have any questions or need assistance, please talk to one of our Mortgage Consultants.

Personal identification

  • Copy of your Driver’s License
  • Copy of your Social Security Card
  • Copy of your Permanent Resident Card or Visa, if applicable

Income information

  • Copies of your W-2 forms for the past 2 years
  • Pay stub(s) for the last 30 days, showing year-to-date and current period earnings
  • Proof of Social Security or Pension Income, if applicable
  • Copy of divorce decree, separation agreement, or property settlement agreement, if applicable
  • Proof of child support/alimony income, if you want to have it considered as qualifying income

If you’re self-employed:

  • Copies of your signed Federal 1040s for the past 2 years (all schedules and all pages)

Asset information

  • Copies of your statements for past 2 months, or your last quarterly statement, for all checking, savings, IRA, 401(k) or other retirement program, stock and mutual fund accounts (all pages)

If you are receiving money from a relative for the down payment:

  • Copy of gift letter (mortgage consultant will provide a form to you)
  • Proof of the donor’s ability to give funds
  • Documentation of your receiving the funds

If you are selling Real Estate and the proceeds will be used for the down payment:

  • Copy of the executed sales agreement
  • Copy of the HUD-1 Settlement Statement

If you own Real Estate other than your primary residence:

  • Street address
  • Current market value
  • Lender’s name and account number
  • Property taxes and insurance costs
  • Proof of any rental income (current leases and/or all pages of last 2 years tax returns)

Residence information

  • Street address of every residence you have lived in during the past 2 years

If you are currently renting:

  • your current landlord’s name(s), address and phone number

Miscellaneous information

  • Name and telephone number of closing attorney and/or title company
  • Homeowner’s insurance agent and telephone number
  • Explanation(s) of any derogatory credit
  • Explanation(s) of any gaps in employment

For a purchase transaction

  • Copy of your signed and executed purchase agreement and all addenda
  • Copy of your cancelled deposit check
  • Your Realtor’s name and telephone number

For a refinance transaction

  • Copy of your monthly statement for the current mortgage
  • Copy of survey, title policy, and homeowner’s insurance
  • Copy of your monthly statement for any Equity Loans or Lines of Credit, if applicable
  • Copy of your mortgage note (for FHA and VA Loans only)

Veteran’s Administration loan Applicants

  • Military discharge papers (Form DD214), if applicable
  • Certificate of Eligibility

Please contact us if you have questions or if we can help you in any way.