Mortgage Loan Document Checklist
Personal information
- Government issued photo ID
- Full legal name, Social Security number, and birth date (in some cases, you may be asked to provide a copy of your Social Security card)
- Phone number, email address, and current and former residential mailing address over the last two years
Employment and income information
- Most recent 30 days of paycheck stubs showing year-to-date earnings
- All pages/schedules of most recently filed personal and business tax returns
- Most recent two years of W2’s
- College transcript (if graduated within the last two years)
- Supporting income documentations from other sources other than employment
- Complete two-year work history including names, addresses, phone numbers, and dates of employment
- Divorce Decree signed by all parties (if applicable)
- Profit and loss statement with balance sheet, if self employed
Asset information
- All pages of most recent two months of bank/investment/retirement statements on all accounts listed on the loan application
Liability information
- Recent mortgage statement showing breakdown of current mortgage payment
- Proof of real estate owned free and clear
- Homeowner’s insurance policy, current property tax receipts, and proof of homeowner association fee on all real estate to be obtained
Real estate information
- Homeowner’s insurance agent name and number that will be insuring the new home
- Copy of earnest money check
- Lease agreements on all rental properties to be retained
- Purchase contract signed by all parties
Miscellaneous information
- Certificate of Eligibility and DD-214 or Statement of Service, if applying for a VA Mortgage
- Copy of all bankruptcy paper with a copy of discharge, if previously bankrupt
- Copy of settlement statement/closing disclosure if you sold a property within the last three months
- Child support order
- Birth certificates for all children receiving child support income
Depending upon your situation, we may require more or less documentation.