Mortgage Application Checklist
Gathering your documents early is the best way to ensure a smooth, fast mortgage approval. Use this checklist to prepare everything you'll need for your application.
Personal Information
Basic identification and history to verify who you are.
- Copy of government-issued ID (Driver's License, Passport)
- Social Security Number (for credit check)
- Residential address history for the past 2 years
- Contact information (phone, email)
Income Verification
Proof of your steady income to ensure you can manage monthly payments.
- Pay stubs for the most recent 30 days
- W-2 forms for the past 2 years
- Tax returns (1040s) for the past 2 years (all pages)
- If self-employed: Year-to-date profit and loss statement
- Proof of any additional income (alimony, child support, bonuses)
Asset Documentation
Verification of your funds for the down payment and closing costs.
- Bank statements (checking and savings) for the last 2 months (all pages)
- Retirement account statements (401k, IRA) for the last 2 months
- Investment account statements for the last 2 months
- Gift letter (if receiving funds from a relative for the down payment)
Liabilities & Debts
A look at what you currently owe to calculate your debt-to-income ratio.
- List of all current debts (credit cards, student loans, auto loans)
- Monthly payment amounts and current balances for all debts
- Divorce decree or court orders (if applicable, for alimony/child support payments)
- Bankruptcy or foreclosure records (if applicable, within the last 7 years)
Property Details (If you have a contract)
Information about the specific home you are purchasing.
- Fully executed purchase agreement
- Copy of the earnest money deposit check
- Contact information for your real estate agent
- Homeowners insurance agent contact information
Got everything ready?
Once you have your documents gathered, you're ready to take the next step. Start your pre-qualification today to see how much house you can afford.