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Mortgage Checklist

mortgage checklist

Listed below are documents you should provide when applying for a mortgage pre-approval. This list is a guide and, depending on what kind of loan you are applying for, you may require different documents, or only some of these documents.

W-2/SALARIED EMPLOYEES

  • Last two years Federal tax returns with all schedules and pages
  • Last two years W-2s and 1099s
  • Last 30 days of pay stubs
  • Last two months of personal bank statements for all accounts (all pages including blank pages)
  • Last two months of statements for all pension, securities, investment, 401ks, etc.
  • Legible copy of driver’s license and Social Security card
  • Most recent mortgage statement (for all properties owned)
  • Most recent property insurance and tax bills (for all properties owned)
  • Current title insurance property (for subject property if refinancing)
  • Proof of Social Security Income, child support and/or alimony payments (if applicable)

SELF-EMPLOYED BORROWERS

  • Last two years personal Federal tax returns with all schedules and pages
  • K-1s and 1120s for all businesses owned for the last two years (25% ownership or more)
  • CPA letter verifying self-employment
  • Copy of business license (if applicable)
  • Copy of driver’s license and Social Security card
  • Last two months of personal bank statements for all accounts (all pages including blank pages)
  • Last two months of statements for all pension, securities, investment, 401ks, etc.
  • Most recent mortgage statement (for all properties owned)
  • Most recent property insurance and tax bills (for all properties owned)
  • Current title insurance property (for subject property if refinancing)
  • Proof of Social Security Income, child support and/or alimony payments (if applicable)

RETIRED BORROWERS

  • Last two Federal tax returns with all schedules and pages
  • Last two years of 1099’s (all)
  • Last social security awards letter
  • Pension awards letter
  • Last two months of personal bank statements for accounts into which the pension and SSI is direct deposited (all pages including blank pages)
  • Copy of driver’s license and SS card
  • Last two months of personal bank statements for all other accounts (all pages including blank pages)
  • Most recent mortgage statement (for all properties owned)
  • Most recent property insurance and tax bills (for all properties owned)
  • Current title insurance property (for subject property if refinancing)

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