Mortgage Document Checklist
Getting a mortgage can be a complex process, but staying organized with the right documents can make it smoother. This checklist will guide you through the essential documents you'll need to provide to your lender.
- Addresses for previous 2 years’ rental or mortgage history
- Name, address and phone number of all landlords for past 2 years (if applicable)
- Name, address and phone number of employers for past 2 years
- All pay stubs for most-recent 30-day period
- Past 2 years’ W-2s
- Past 2 years’ tax returns
- Most recent 2 months’ bank statements for all bank accounts
- Valid Driver’s license or military I.D.
In some cases, you’ll also need:
- Self Employed- Past two years’ signed personal tax returns, corporate or partnership returns, balance sheets, K-1 and 1099’s
- Copies of separation/divorce decree
- All foreclosure papers including letter of explanation if possible
- All bankruptcy papers including discharge and letter of explanation if applicable
- Sales Contract
- VA Loan Applicants- Statement of Service from your Command or copy of your DD-214, Member Copy 4 for Certificate of Eligibility
For a refinance, you might also need:
- Copy of current mortgage statement
- Copy of current survey if you have one
- Copy of Homeowners Policy
- Subordination
- Copy of Deed
- Copy of Title Policy