Mortgage Documentation Checklist

Mortgage Documentation Checklist


  • Employers’ names and addresses for last two years (include dates of employment and gross monthly income)

  • W-2s for last two years and pay stub(s) for last 30 days​

If self-employed:

Year-to-date profit and loss statement and balance sheet prepared and signed by an accountant and you

Signed tax returns for the last two reporting years
Supporting documentation for any other income


  • Last 2 months’ bank statements for the following  (all pages)

  • Checking and savings accounts

  • Credit unions

  • Security accounts (stocks, bonds, life insurance, IRAs, 401(k)s, etc.)

Credit Related Documents

  • Judgments. Provide copy of release/satisfaction

  • Bankruptcy. Provide copies of:

  • Schedule of Bankruptcy (list of creditors)

  • Discharge of Bankruptcy

  • Foreclosure/Short –Sale or Other delinquent records


  • Fully executed contract of sale for subject property (purchase only)

  • Fully executed contract of sale of present home (if being sold)

  • Schedule of real estate owned, copies of rental agreement (leases only), and signed tax returns for the past two reporting years.


  • Addresses of residences for the last two years and landlord contact information

  • If you were a full-time student at any time in the past two years, a copy of your diploma or transcripts

  • Social Security Number and Photo ID (State/Federal issued). Can use green card if applicable.

  • Check for the application fee (if required)

  • Copy of Divorce Decree (if applicable)

  • Names, addresses, and phone numbers of everyone involved in the transaction

  • Copy of current mortgage statement, loan #, and creditor name (if applicable)

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