Having your personal and financial documents well-organized is key to a quick and smooth transaction. To save yourself time and headaches down the road, we encourage you to use this convenient document checklist while you prepare for the mortgage application process. Additional items may be requested before a credit decision can be made.
Basic Information
- Social Security Numbers for all borrowers
- W-2 Forms and Tax Returns – past two years
- Paycheck Stubs – copy of most recent 30-day pay period
- Addresses – past two years
Employment History
- Past two years including dates employed, name, address and phone number of employer
Bank Statements
- Copy for all accounts covering recent two months
If you are self-employed or are paid commission
- P&L Statement – current year-to-date
- Balance Sheet – past two years
- Tax Returns – two years signed federal tax returns and all schedules (including K-1s)
If you are currently renting
- Rental History – landlords’ names and phone numbers for the past two years
If you are purchasing a home
- Copy of Sale, Contract
Other items to remember
- Divorce Decree – if applicable
- VA loans – Certificate of Eligibility & DD214
If you are refinancing
- Copy of title insurance policy
- Copy of current mortgage payment coupon
- Copy of homeowners and (if applicable) flood insurance policy
- Copy of warranty deed
- Copy of property survey