MORTGAGE DOCUMENT CHECKLIST

The documentation that may be needed for a home loan application can vary depending on the applicant and loan type, below is an example of a typical checklist of items requested. Getting everything upfront helps to avoid any delays/surprises during the loan process.




  • State-issued driver's license or passport
    • If not a U.S. citizen: a resident alien card (front and back); resident alien application or H1B or L1 Visa plus passport as applicable
  • Pay stubs covering the last 30 days
  • All W-2s for the last two calendar years
  • Federal tax returns (both personal and business) for the last two calendar years; please include complete returns with all schedules filed
  • YTD Profit & Loss and Balance Statement if you’re self-employed
  • 2 months most recent bank statements (all pages)
    • *Something to keep in mind: Lenders are very particular when it comes to analyzing assets, so be mindful of your non-payroll/direct deposit related deposits. You will need to provide documentation of deposits outside of payroll. Avoid moving money unnecessarily from one account to another. If you do need to move money, be sure that there is a clear paper trail. Make copies of deposited checks, deposit receipts, and wire transfer orders.
  • Mortgage, real estate tax, and insurance premium statements for all properties currently owned
  • Homeowners insurance information, including agent’s name and phone number
  • Complete bankruptcy papers, if applicable
  • Divorce decree and/or child support orders, if applicable
  • Copy of DD214 and Certificate of Eligibility – VA BORROWERS
  • Social Security Award Letter, Pension Award Letter and Last Two Years 1099's – RETIRED BORROWERS


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