Breadcrumb Learn / Home / Article 3 min read 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 loan officers. Income documentation: 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 loan officer 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 Closing Disclosure 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 (if you don’t yet have one, you may check out our affiliated business, Virginia Statewide Title Services) Homeowner’s insurance agent and telephone number Explanation(s) of any late credit payments 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) For a construction transaction: Copy of signed contract between builder and borrower Copy of signed plans and specs for home Copy of the deed to the land, whether owned or purchasing Copy of builder's license Contract for purchase if not owned Complete builder information: name, address, phone numbers, federal tax ID number Certificate of liability for the builder Builder’s risk/homeowner’s policy Statement from Builder listing a complete cost breakdown Veteran’s Administration or Federal Housing Administration loan applicants Military discharge papers (Form DD214), if applicable (for VA loans) Copy of your Driver’s License or Passport Certificate of Eligibility (for VA loans) Last Updated: January 22, 2020 Home Related Content View All Home Content Calculator Mortgage Payment Calculator Home Article 5 min 10 Ways to Make Your Home Feel New Home Article 6 min Financing Your Dream Home with a Construction Loan Home Video 7 min Watch: 9 Questions First-Time Homebuyers Ask Home Article 6 min How to Get Pre-Qualified for a Mortgage Home Article 4 min Mortgage Rate Lock Explained Home Article 6 min Home Equity Loan or Home Equity Line of Credit: Which is Best for You? Home Article 4 min Are You Ready to Buy a Home? Home Article 3 min What is the best mortgage loan for me? Home Article 4 min How To Know When to Refinance Your Home Home Article 5 min What to Expect During the Mortgage Process Home Calculator Mortgage Savings Calculator Home