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Mortgage Application Checklist

Identity

  • Government-issued photo ID

    • Driver’s license

    • State ID

    • Passport

  • Social Security number

Income — Hourly and Salary

  • Two most recent pay stubs

  • Last 2 years of W-2s

  • If commission or bonus income is required to qualify:

    • YTD pay stub showing totals

    • YTD pay stubs for the prior two years

    • Or copies of tax returns

  • Proof of other income, if applicable:

    • Social Security Benefits/Awards Letter

    • Child Support

    • Disability Income

    • Retirement withdrawals

Employment

  • Employer contact information

  • 2-year employment history

Assets

  • Two most recent bank statements for checking and savings accounts

    • Include all pages, even if blank

  • Retirement/investment account statements

  • 401(k) loan paperwork if withdrawing money for the purchase

  • Documentation showing where funds will come from for:

    • Down payment

    • Earnest money

    • Closing costs

Self-Employed

Requirements can vary widely. The PDF says to call Therese for details. Generally, documentation may include:

  • 1–2 years of tax returns

  • Profit & Loss statements

  • All attached schedules

Important Note:

Other documentation may be required based on individual applications.

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