Mortgage Checklist

Gather once, close faster.

Before you apply

Everything your loan officer will need.

Pulling these together up front makes the loan process noticeably faster. We grouped them by situation — work through whichever sections apply to you.

24 items · 5 categories

01 Basic information Everyone applying for a mortgage starts here. 11 items
  • Copy of your driver's license
  • Last 30 days of consecutive pay stubs
  • Last 2 years of W-2s and tax returns
  • Bank statements for the past 2 months (all pages, all accounts) — or a 60-day printout from the bank, stamped and signed
  • Investment account statements for the past 2 months
  • Retirement account statements for the past 2 months
  • Name, address, and phone number(s) of your landlord — or a letter stating monthly rent and "paid as agreed for past 12 months" (if currently renting)
  • Name, address, and phone number(s) of employers for the past 2 years
  • Signed real estate contract and all riders on the home being purchased
  • Names and contacts for your attorney and insurance agent
  • Appraisal fee (credit or debit card preferred)
02 If you currently own real estate Bring these for any property you already own. 3 items
  • Mortgage account information
  • Home insurance policy information
  • Home equity account information (if applicable)
03 Miscellaneous — if applicable Only if these apply to your situation. 6 items
  • Recorded divorce decree(s) or separation agreements (all pages)
  • Recorded bankruptcy discharge and schedule of creditors
  • Most recent Social Security award letter or pension award letter
  • Filed and stamped release of any judgment, and paid receipts of all collections
  • 12-month court printout of receiving child support
  • Address and information on any other real estate owned
04 Self-employed buyers In addition to the basic information above. 2 items
  • Year-to-date profit and loss statement
  • Complete tax returns (last 2 years filed)
05 Veterans In addition to the basic information above. 2 items
  • Copy of DD-214
  • Original Certificate of Eligibility
Have what you need?

A loan officer takes it from here.

Once you've gathered the basics, the rest happens behind the scenes.

Find a loan officer