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Mortgage Documentation Checklist

Before you apply for a mortgage or pre-approval, you’ll need to round up a few documents. We’ve compiled a documentation checklist to make it easy, so nothing gets forgotten.

Before you apply for a mortgage or pre-approval, you’ll need to round up a few forms. We’ve compiled a documentation checklist to make it easy, so nothing gets forgotten.

  • Pay stubs (past 30 days)

  • W-2s (2 years)

  • Proof of other income sources (bonuses, commissions, child support, alimony or separate maitenance, SS Income)

  • Account statements for checking, CDs, retirement, etc. (2 months)

  • Letters from anyone giving you a gift to use for a down payment

  • Court records (divorce decree, bankruptcy, foreclosure)

  • ID (driver’s license or passport) to verify identity personal and business federal tax returns

  • Leases for rental income

And with our digital resources, we may be able to take a few of these things off your plate (with just a little assistance from you).

Talk to a Mortgage Loan Officer to learn more about what will be needed when you apply for a mortgage.

Get down with the down payment

Most folks hear the words “down payment” and assume they need 20% cash to buy a home. While that comes in handy, you’ve got a lot of choices to make in your down payment.

Rethinking “marry the house, date the rate”

The idea behind it was clear: if you found a home you loved, buy it quickly and refinance later. The expectation was that rates would drop quickly and refinancing would be an easy way to lower your monthly payment.

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