Documents Needed for Your Mortgage

Identity

• Government-issued photo ID for everyone on the loan
• Social Security number for each borrowerProvide it through the secure application, never by regular email.

Income (employees)

• Pay stubs covering the most recent 30 days
• W-2s for the last 2 years
• Federal tax returns, if requestedOften needed for commission, overtime, bonus, rental or other income.
• Offer letter, if you are starting a new job
• Award letters for Social Security, pension, disability or VA benefitsIf they apply to you.

Assets

• Bank statements for the last 2 monthsAll pages, including blank ones.
• Retirement and investment account statementsIf you plan to use them or count them as reserves.
• Gift letter and donor documentationIf a family member is helping with funds.
• Proof of your escrow depositA copy of the check or the wire confirmation, plus the statement showing it leaving your account.

Debts and history

• Explanations for recent credit inquiries or late payments, if asked
• Divorce decree or support orders, if they apply
• Bankruptcy or foreclosure paperwork, if it applies
• Rental history or landlord contact, if asked

Military and veterans

• Certificate of Eligibility (COE) or DD-214Your loan officer can often request the COE for you.

About the home After you have a contract

• Fully signed purchase contract and addenda
• Homeowners insurance agent contact
• Condo or HOA contact informationThe association’s management company, for the questionnaire and documents.

Notes