Mortgage Document Checklist

Everything a lender will ask for, gathered in one place before you apply.

The short answer

Lenders verify four things: who you are, what you earn, what you have saved and what you are buying. Having two years of tax returns and W-2s, 30 days of pay stubs, two months of bank statements, a photo ID and the purchase contract ready on day one is the single biggest thing you can do to keep a file on schedule.

Key things to know

  • Photo ID and Social Security verification at closing (not required for your quote)
  • Last 30 days of pay stubs and two years of W-2s
  • Two years of tax returns if self-employed or commissioned
  • Two months of statements for every account used for down payment
  • Purchase contract, homeowners insurance quote and HOA details

    • Read the full guide

    The Complete Mortgage Document Checklist

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