Documents Required for a Home Loan Mortgage

It’s perfectly natural to be a little apprehensive about the mortgage application process, especially if you are a first-time home buyer

Listed below are the types of documents you will generally need when applying for your loan.

Don't let this list scare you. It’s designed to give you a general sense of the types of things you may need to apply for a mortgage. Chances are you have many of them on hand or easily accessible already.

This list will enable you to gather what you need for the mortgage application process ahead of time, so things can move along smoothly when you are ready to move forward with pursuing a home loan.

Complete Mortgage Application
Signed Borrowers Authorization
Clear Copy of Driver’s License and Social Security Card
Last Two Years Personal Tax Returns All Schedules
Two Most Recent Bank Statements (all pages)
Most Recent Retirement/Investment Accounts (IRA, 401k, Stocks)

EMPLOYED BORROWERS
Recent Paycheck Stubs Covering the Last 30 days
W2’s for 2021, 2020 & 2019

SELF EMPLOYED BORROWERS
If 1099, Provide Last Two Years
Corporation Tax Returns for Last Two Years

RETIRED BORROWERS
Social Security Awards Letter
Pension Awards letter

**If Borrower Owns a Property Please Provide Below**
Most Recent Mortgage Statement
Homeowners Insurance (Declaration Page)
Property Tax Bill 2021 -2022
HOA Statement (if applicable)

Depending on the type of home loan you are applying for, and your individual circumstances, you may also need:

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