Document Checklist

Getting your documents ready early can make your mortgage process faster, smoother, and stress-free. Use this checklist to stay one step ahead.

✔ Personal Information

• Government-issued ID (Driver’s License or Passport)
• Social Security Number
• Current address and two-year residence history

✔ Income & Employment

• Most recent pay stubs (last 30 days)
• W-2s (last 2 years)
• Tax returns (last 2 years)
• Employer contact information
• Bonus, commission, or overtime documentation (if applicable)

✔ Self-Employed Borrowers (if applicable)

• Full tax returns (personal + business, last 2 years)
• Profit & Loss statement (year-to-date)
• Business bank statements
• CPA or business license (if requested)

✔ Assets & Financial Accounts

• Bank statements (last 2–3 months)
• Retirement or investment account statements
• Documentation for large deposits (if any)

✔ Property Information

• Purchase agreement (if under contract)
• Listing details for the property
• Contact info for your real estate agent

✔ Current Property (Refinance Only)

• Current mortgage statement
• Homeowners insurance information
• Property tax details

✔ Additional Documents (If Needed)

• Gift letter (if using gifted funds)
• Divorce decree or separation agreement
• Bankruptcy or foreclosure documentation
• Rental property income (leases, etc.)