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.