Mortgage Application Documentation Checklist


  • Driver’s License

  • Social Security Card

  • Divorce Decree (If Applicable)

  • Proof of Veteran Status (For VA Loan)


  • Checking and Savings Account Statements (Past 3 Months)
  • Retirement and other Investment Statements (Past 3 Months)

  • Titles for Automobiles and other Property

  • If part of the down payment comes from gift, a gift letter stating that the funds do not need to be repaid


  • Sales Contract

  • Proof of Earnest Money Deposit

  • Proof of Homeowners Insurance (Needed before Closing)
  • Contact Information for Homeowners Association (If applicable)


  • Federal Income Tax Returns (Previous 2 Years)

  • W-2 Forms (Previous 2 years)

  • Pay Stubs (Previous 30 Days)
  • Previous Two Years’ and Year-To-Date Profit and Loss Statements (If Self-Employed)

  • Proof of Additional Income (Social Security, Child Support, Alimony, if applicable)

  • Balance Sheet for the Most Recent Quarter (If Self-Employed)


  • Most Recent Statements for Credit Cards, Loans, and other Credit

  • Canceled Checks (or other Proof of Payment) for Rent or Mortgage for the Last 12 Months

  • Court Documentation for Bankruptcy or Judgment (If applicable)
  • Listing Agreement or Sales Contract for Current Home (If applicable)