Everything you'll need to prepare for your mortgage application. Check off items as you gather them.
Recent pay stubs (last 30 days)
All borrowers. Show year-to-date earnings.
W-2 forms (last 2 years)
All W-2 employed borrowers.
Federal tax returns (last 2 years)
All pages, all schedules. Both personal and business if applicable.
Employer contact information
HR department phone/email for verbal verification.
Profit & loss statement (YTD)
Self-employed borrowers only. Prepared by a CPA if possible.
Business license
Self-employed borrowers only.
Bank statements (last 2-3 months)
All pages for all accounts (checking, savings, money market).
Investment/retirement account statements
401(k), IRA, brokerage accounts showing recent balances.
Gift letter (if applicable)
Signed letter from gift donor confirming funds are a gift, not a loan.
Proof of earnest money deposit
Cancelled check or wire transfer confirmation.
Documentation of large deposits
Paper trail for any deposits over 50% of monthly income.
Signed purchase agreement
Fully executed contract with all addenda.
Property address and details
Full address, property type, estimated value.
HOA information (if applicable)
Monthly dues, contact info, meeting minutes.
Homeowners insurance quote
Get quotes early. Lender will need proof before closing.
Government-issued photo ID
Driver's license, passport, or state ID. Must be current.
Social Security number
For all borrowers on the application.
Current address history (2 years)
All addresses where you've lived in the past 2 years.
Current mortgage statement
Refinance only. Shows current balance, rate, and payment.
Student loan statements
Current balance and monthly payment for each loan.
Auto loan statements
Current balance and monthly payment.
Credit card statements
Most recent statement for each card.
Child support/alimony documentation
Court order or decree showing payment amounts, if applicable.
Bankruptcy/foreclosure documentation
Discharge papers with dates, if applicable within the last 7 years.
Divorce decree
If divorced, complete decree with property settlement.
VA Certificate of Eligibility
VA loan applicants. Can be obtained through VA.gov or your lender.
Rental income documentation
Current lease agreements for investment properties.
Power of Attorney
If someone will be signing on your behalf.
Submit your application and get pre-approved within 24 hours.