Mortgage application. Documents required


When applying for a loan, you will have to fill out a loan application, the back up the information on the application with supporting documentation for them to feel secure about lending you money.


All applicants need to provide the lender:

  • Photo ID
  • Last 30-days of pay stubs
  • Past two-years Federal Tax Returns if self-employed, work on commission or tips, or own investment property
  • Checking and savings accounts statements for the past two months (all pages - real statements, not printouts)
  • Most recent statements for other assets such as bonds, stocks, or  401k
  • W-2 withholding forms for past two-years

Purchase loans

  • Realtor contact information
  • Sales contract for the purchase of a new home
  • Homeowner's association information with contact information if property is a condo or part of a homeowner's association
  • Proof of homeowners insurance

Refinance loans

  • Current mortgage statement
  • Proof of home owners insurance


Common Misc Documents

  • Certified copy of divorce papers
  • Proof of foreclosure date (Sheriff Certificate of Sale)
  • Certificate of Eligibility (VA home loans)


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