Your Mortgage Application Document Checklist

Preparing for a mortgage application requires gathering essential documents to streamline the process. Here’s your comprehensive checklist:

1. Personal Identification:

• Valid government-issued ID (e.g., driver’s license, passport)
• Social Security card

2. Financial Documents:

• Recent pay stubs covering the last 30 days
• W-2 forms for the past two years
• Income tax returns for the past two years
• Bank statements for checking and savings accounts
• Investment account statements (e.g., stocks, bonds)

3. Employment Verification:

• Employment verification letter or recent pay stubs
• Self-employed individuals: profit and loss statements, business tax returns

4. Property Information:

• Address and purchase agreement of the property
• Homeowners insurance information
• Appraisal report (if available)

5. Additional Documents:

• Gift letter (if part of the down payment is a gift)
• Divorce decree or child support documents (if applicable)
• Bankruptcy or foreclosure documents (if applicable)

Gathering these documents early can expedite the mortgage approval process. Ensure all documents are legible and up-to-date.

For personalized assistance with your mortgage application, contact us today!