Income
Pay statements, W-2s, tax returns, award letters, retirement statements, or other income documentation may be requested.
Mortgage documents
Organizing documents early can make the mortgage process easier.
The exact documentation depends on the borrower, loan program, income type, property, and transaction. This checklist provides a general starting point.
Assets
Bank, investment, retirement, or other account statements may be needed to document funds and reserves.
Employment
Employment history and verification can be required depending on the income type and loan program.
Identification
Government-issued identification and other identity documentation may be required.
Property
Purchase contracts, insurance, HOA information, and other property documents can become part of the file.
Special situations
Self-employment, rental income, divorce, support, trusts, business ownership, military income, or other circumstances can require additional documentation.