What documents will I need to provide for my mortgage application?

The more organized you are up front, the smoother your approval will go. Your lender may ask for additional items based on your situation, but this list covers the basics for most buyers.

Personal Info Documents

• Government-issued photo ID (driver’s license or passport)
• Social Security number

Income Verification Documents

If employed:

• • Last 2–3 pay stubs
  • Last 2 years of W-2s
  • Last 2 years of federal tax returns

If self-employed/freelancer:

• • Last 2 years of business & personal tax returns
  • Year-to-date profit & loss statement
  • 1099s (if applicable)

Other income (if applicable):

• • Documentation for Social Security, alimony, child support, rental income, etc.

Assets & Savings Documents

• The last 2–3 months of bank statements
• Statements for retirement/investment accounts (401k, IRA, etc.)
• Gift letter (if using gifted down payment funds)

Debt & Credit Documents

• Authorization to pull credit report
• Monthly statements for student loans, auto loans, credit cards, etc.

Home & Property Documents

• Signed purchase agreement (when under contract)
• Homeowners insurance details (when under contract)
• Contact info for your real estate agent and title company (let us know if you need a referral, we have a great network of trustworthy agents)

Other (if applicable)

• Letter of explanation (for gaps in employment, large deposits, etc.)
• Divorce decree or child support orders