Documents You May Need for Your Mortgage Application
To keep your loan process moving efficiently, you may be asked to provide documentation verifying income, assets, and identity. Providing documents promptly helps prevent delays.
Income Documentation
Checklist
- Recent pay stubs covering the last 30 days
- W-2 forms from the past two years
- Federal tax returns (last two years)
- 1099 forms if applicable
- Self-employed borrowers may need additional business tax returns
Asset Documentation
Checklist
- Bank statements (most recent two months)
- Retirement or investment account statements
- Documentation of large deposits, if applicable
Property Documentation
(If Applicable)
Checklist
- Purchase agreement
- Current mortgage statement (for refinance)
- Homeowner’s insurance information
Identification
Checklist
- Government-issued photo ID
- Social Security number verification
Additional documentation may be required depending on your loan type and financial situation. If you have questions about what is needed, our team is happy to guide you.
