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Mortgage Checklist Process

Mortgage Checklist Process

    You will likely have to provide extensive personal documentation to obtain a mortgage.  Lenders typically request documents related to your employment and income, financial position and tax history.  This is so the lender can verify your income and assets and evaluate your credit-worthiness as a buyer.  The requested documents may vary somewhat by lender but will likely include the items listed on the right.  Typically you are not asked to provide personal documents until later in the mortgage process but having these documents available and organized at the beginning of the process will make things go much smoother.  Reviewing your personal finances in advance of the mortgage process will help you identify and resolve potential issues such as missing documents or errors you may find.  This will help you avoid potential delays and ensure that your mortgage is processed as quickly as possible.

Mortgage Application Document List
  • Pay stubs (two months)
  • W-2 (two years)
  • Tax returns (two years)
  • Bank statements (two months)
  • Investment account statements
  • IRA / 401K / pension statements
  • Current statements for outstanding debt such as credit card, auto and student loans
If you are self-employed:
  • Business license
  • Schedule C
  • Corporate tax returns
  • Partnership returns
If you own income producing real estate:
  • Schedule E
  • Leases
  • Schedule of real estate owned
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