Mortgage application documents checklist
Borrower: [Name]
Co-borrower: [Name]
Loan: [Purchase / Refinance] of [Property address]
Please send each item below. Ask us if you are not sure what counts.
Identity
- Government-issued photo ID for each borrower
- Social Security number for each borrower
- Current address and addresses for the last two years
Income, if employed
- Pay stubs for the last 30 days
- W-2 forms for the last two years
- Employer name, address, and phone number for the last two years
Income, if self-employed
- Personal federal tax returns for the last two years, all pages and schedules
- Business tax returns for the last two years, all pages
- A profit and loss statement for the year to date
- 1099 forms for the last two years
Other income
- Award letters for Social Security, pension, or disability income
- Court orders for alimony or child support you want counted
- Leases and two years of tax returns for rental income
Assets
- Bank statements for the last two months, every page
- Retirement and investment account statements for the last quarter
- A gift letter and the donor's bank statement for any gift toward the down payment
- An explanation of any large deposit that is not your pay
Debts
- A list of monthly debts not on your credit report
- Divorce decree or separation agreement, if any
- Papers for any bankruptcy or foreclosure in the last seven years
The property
- The signed purchase contract, for a purchase
- Your homeowners insurance agent's name and phone number
- Homeowners association name and dues, if any
- The latest mortgage statement and property tax bill, for a refinance