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Applying for a Mortgage? Here Are the Documents You'll Need

Applying for a mortgage? At a minimum, here’s a list of the information and supporting documentation that you’ll want to have at hand:

Addresses for previous 2 years’ rental or mortgage history

Name, address and phone number of all landlords for past 2 years (if applicable)

Name, address and phone number of employers for past 2 years

All pay stubs for most-recent 30-day period

Past 2 years’ W-2s

Past 2 years’ tax returns

Most recent 2 months’ bank statements for all bank accounts

Valid Driver’s license or military I.D.

In some cases, you’ll also need:

Self Employed- Past two years’ signed personal tax returns, corporate or partnership returns, balance sheets, K-1 and 1099’s

Copies of separation/divorce decree

All foreclosure papers including letter of explanation if possible

All bankruptcy papers including discharge and letter of explanation if applicable

Sales Contract

VA Loan Applicants- Statement of Service from your Command or copy of your DD-214, Member Copy 4 for Certificate of Eligibility


For a refinance, you might also need:

Copy of current mortgage statement

Copy of current survey if you have one

Copy of Homeowners Policy


Copy of Deed

Copy of Title Policy

This is not a commitment to lend. 

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