Document Checklist
Everything you need to apply with confidence.
Gathering your paperwork ahead of time is the single best way to keep your mortgage moving quickly. Use this checklist as your guide — every borrower is different, so your loan officer may request more or less depending on your situation. When you're ready, start your application online and we'll walk you through the rest.
Identification
Confirms who you are and your right to borrow.
- Government-issued photo ID (driver's license or passport)
- Social Security number or card
- Permanent resident card or visa (if applicable)
Income & Employment
Shows lenders how you earn and how stable it is.
- Pay stubs covering the last 30 days
- W-2 forms from the past two years
- Federal tax returns from the past two years
- For self-employed: 1099s, profit & loss statements, and business tax returns
- Proof of additional income (bonuses, commissions, Social Security, pension, child support)
Assets & Bank Statements
Verifies funds for your down payment, closing costs, and reserves.
- Bank statements from the last two months (all pages)
- Retirement and investment account statements (401k, IRA, brokerage)
- Documentation for any large or non-payroll deposits
- Gift letter and donor bank statement (if using gift funds)
Property
Details about the home you are buying or refinancing.
- Fully executed purchase agreement (for a purchase)
- Homeowners insurance information or quote
- Most recent mortgage statement (for a refinance)
- Current property tax bill and HOA details (if applicable)
Additional / Situational
Extra paperwork that applies to some borrowers.
- Divorce decree or separation agreement
- Bankruptcy discharge or foreclosure documentation
- Rental or lease agreements for investment properties
- Letter of explanation for credit or employment gaps