Example Document Checklist
For example purposes only
This is a list of the documents that are commonly required after applying for a typical mortgage.
To view the current document checklist for your specific loan, visit the “My Loan” tab.
Driver’s license or state ID, passport, etc.
Social Security card (FHA loans only)
Previous addresses for the last 2 years and duration of residence at each location
If currently renting, landlord’s name, email and phone number to verify the last 12 months of rental history
Names, addresses and dates of employment for all employers within the last 2 years
Letter/email explaining any gaps in your employment within the last 2 years
Pay stubs for the most recent 30 days
W-2 and/or 1099 forms for the most recent 2 years*
Personal federal income tax returns for the most recent 2 years* (not required in all cases)
Business federal income tax returns for the most recent 2 years* (if self-employed)
Year-to-date profit and loss statement and current balance sheet (if self-employed)
Award letter and copy of most recent check for retirement, Social Security or disability income
* Some mortgage programs require fewer or more years of documentation.
Most recent two monthly or quarterly account statements (all pages)
Bank accounts (checking, savings, money market, etc.)
Investment accounts (stocks, bonds, mutual funds, 401(k)s, IRAs, etc.)
Your and the seller’s real estate agents’ contact information
Your and the seller’s attorneys’ contact information (if applicable)
Homeowners insurance quote or insurance agent’s name, phone number and email
Home purchase contract (final version with all addendums)
Home sale contract for any recently sold home
Closing Disclosure (CD) on any recently sold home
Proof of payment of earnest money (updated bank statement or a daily summary showing 4 digits of account number and earnest money check(s) or wire(s) clearing the account)
Copy of your current mortgage note
Most recent mortgage statement or coupon book
Most recent property tax bill
Current homeowners insurance declaration page, including your agent’s name, phone number and email address
Condo/townhome association bylaws and contact information
Complete divorce decree and property settlement agreement
Complete bankruptcy papers, including discharge
Names of people who are not on the mortgage application but will be on the title
Trust documents for a property held in trust
Copy of note and mortgage on existing secondary financing that will be subordinating