Checklist: Your Mortgage Application

Every lender requires documents as part of the process of approving a mortgage loan. Here are documents you’re generally required to provide.

  • W-2 Tax forms — or business tax returns if you're self-employed — for the last two or three years for every person signing the loan.

  • At least one pay stub for each person signing the loan.

  • Account numbers of all your credit cards and the amounts for any outstanding balances.

  • Two to four months of bank or credit union statements for both checking and savings accounts.

  • Lender, loan number, and amount owed on installment loans, such as student loans and car loans.

  • Addresses where you’ve lived for the last five to seven years, with names of landlords if appropriate.

  • Brokerage account statements for two to four months, as well as a list of any other major assets of value, such as a boat, RV, or stocks or bonds not held in a brokerage account.

  • Your most recent 401(k) or other retirement account statement.

  • Documentation to verify additional income, such as child support or a pension.


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BuyingLaura Beth Lott