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Gather These Documents to Apply for a Mortgage

Gather These Documents to Apply for a Mortgage

Intimidated by the home loan process? You’re not alone. For many people, the application process is unfamiliar territory. The good news is that with a little bit of preparation and a great lender guiding you, you can navigate the home loan process like a pro.

The best way to start on the right foot is to gather these documents so you have them on hand when you apply:

  • Valid driver's license or other government-issued photo identification—should include date of birth
  • Social security card
  • Most recent statements for the last two months on all checking, savings, stock, mutual funds, IRA, or other liquid asset accounts
  • If you are salaried, your most recent pay stubs for the last 30 days
  • W-2 forms for the past two years, and full federal tax returns for the past two years, including all schedules [What if I don't have my federal tax returns?
  • If you are self-employed or you own more than 25% of a business, copies of business tax returns for the past two years, including all schedules
  • If you have been divorced, a copy of final decree
  • Documentation pertaining to any resolved or unresolved credit disputes you may have had.
  • Loan information, including balance, monthly payment, and any rents collected for other real estate owned, if applicable
  • Sales contract, if available
  • Accurate addresses and landlord/mortgage company information for past two years
  • Certificate of Eligibility and DD-2214 or Statement Service, if applying for a VA loan
  • If you filed a previous bankruptcy, a copy of complete bankruptcy papers with a copy of discharge
  • If applying jointly, each borrower must provide the same documentation noted above
  • If you sold property in the last three months, a copy of the settlement statement
  • You may be asked to provide proof of all deposits over $300 that are not identified on any cash asset statements

*Depending on your situation, you may be required to provide more or less documentation.

With these documents readily available, you can kick off a smooth application process!