Every application for a mortgage loan is different. Your requirements will not match your neighbors’ — the specifics depend on your situation and the type of loan you’re applying for. As you look over the Mortgage Document Checklist below, don’t hyperventilate. Relax. Then ask your independent mortgage lender which mortgage documents you’ll need for your specific case.
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Below, you’ll find the complete Mortgage Document Checklist you may need for approval or pre-approval by category.
It is presented here to give you a general idea of what supplemental documentation you’ll need when applying for a mortgage. If you have specific questions about the Mortgage Document Checklist, shoot me a message and I’ll do my best to help you out.
Complete List of Mortgage Documents
What You May Need for Loan Approval
Personal Information
These items you will absolutely need:
- Copy of a current picture ID card (either your driver’s license or passport)
- Copy of your permanent resident card or visa (if applicable)
- Copy of your social security card
Employment Information
To show proof of your earned income from employment, you may need these documents:
- Copy of federal personal tax returns, with all attached schedules for the last two years
- W2 forms for the last two years
- 1099 forms from any contract employment for the last two years
- Paystubs from the most recent 30 days for all income received
- Contact person (name and phone number) for the Human Resource Department (or other individual) to verify your past and present employment from all employers for the past two years
Business Information
If you own your business, you may need to show how successful you’ve been:
- Copy of your business license
- Profit and loss statement for the current year
- Copy of federal business tax returns, with all attached schedules for the last two years (for all entities/businesses)
Other Resources Information
If you are receiving income from other sources, you may need to account for it:
- Statements from any retirement and savings accounts covering the last 60 days (all pages, even if blank)
- Copy of your bank statements for the previous two months (all pages, even if blank)
- Copy of lease agreements on any investment properties
- 1099 forms for any Social Security, disability, or pension payouts you received for the last two years
- Copy of your current Social Security Award letters
- Copy of your Disability Award letter
Mortgage Information
If you own a home or if you’re applying for a specific kind of mortgage (such as a VA loan), you may need some of these documents:
- Copy of your canceled earnest money deposit check (front and back)
- Copies of canceled rent checks from the last 12 consecutive months (front and back) – unless you’re renting from a management company
- Your landlord’s or management company’s contact name and phone number
- Signed copy of the closing statement of your current home, including when it sells (all pages)
- VA certificate of eligibility (form DD 214 from the U.S. Department of Veterans Affairs)
- Copy of your current mortgage statement, if applicable
- Copy of your mortgage note, which you should have received when you closed
- Copy of your Tax and Insurance bill
If Applicable
- Student loan statements (includes payment/terms/interest rate)
- Divorce decree/marital settlement agreement
- Living Trust docs (if the property is vested in a Trust)