Knowledge Center
Mortgage Documents Checklist
A comprehensive guide to all the documents you'll need when applying for a mortgage loan.
Being prepared with the right documents can significantly speed up your mortgage application process. Below is a comprehensive checklist organized by category. Items marked with ✓ are typically required, while others may be needed based on your specific situation.
Income Verification
Pay Stubs
RequiredMost recent 30 days of pay stubs from all employers
W-2 Forms
RequiredW-2 statements from the past 2 years
Tax Returns
RequiredFederal tax returns (all pages) from the past 2 years, including all schedules
Employment Verification
Letter from employer confirming position, salary, and length of employment
Self-Employment Documents
Business Tax Returns
Required2 years of complete business tax returns
Profit & Loss Statement
RequiredYear-to-date P&L statement prepared by accountant
Business License
Current business license or registration
1099 Forms
RequiredAll 1099 forms received in the past 2 years
Asset Documentation
Bank Statements
Required2-3 months of statements for all checking, savings, and money market accounts
Investment Accounts
RequiredRecent statements for stocks, bonds, mutual funds, and retirement accounts
Gift Letter
If using gift funds, a signed letter from the donor stating it's a gift, not a loan
Large Deposit Explanation
Documentation for any large deposits not from regular income
Personal Identification
Government-Issued ID
RequiredValid driver's license, passport, or state ID
Social Security Card
RequiredOr documentation showing your SSN
Proof of Residency
Utility bill or lease agreement with current address
Property Documents
Purchase Agreement
RequiredSigned contract between buyer and seller
Property Insurance Quote
RequiredHomeowner's insurance quote or binder
HOA Documents
If applicable, HOA fees and contact information
Credit & Debt Information
Credit Report Authorization
RequiredSigned authorization to pull credit report
Debt Payoff Letters
If paying off debts to qualify, letters showing the accounts will be closed
Bankruptcy Documents
If applicable, discharge papers and filing documents
Rental History
12 months of rent payments (canceled checks or landlord letter)
Pro Tips
Document Preparation Tips
Keep Documents Organized
Create a dedicated folder (physical or digital) for all mortgage-related documents. Label everything clearly.
Use Complete Statements
Always provide all pages of bank statements and tax returns, even if some pages are blank.
Ensure Documents Are Current
Most documents should be dated within 30-60 days of your application. Check with your lender for specific requirements.
Avoid Large Transactions
Don't make large deposits, withdrawals, or purchases during the mortgage process without consulting your lender.
Need Help Gathering Documents?
I can provide you with a personalized checklist based on your specific situation and loan type.