Loan Documentation Requirements

Below is a list of documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. If you are asked for more information, the sooner you provide the information requested, the better. It will help speed up the application process.

If a Purchase

Copy of signed purchase and sale agreement.
Copy of cancelled earnest money check, front and back.
Copy of most recent 12 months cancelled rent checks, front and back. (if currently renting)

If a Refinance

Copy of homeowner's insurance policy.
Copy of most recent monthly mortgage statement.

Employment Information

Copy of most recent two pay stubs.
Copy of most recent two years W-2's, 1099's, etc.
Copy of most recent two years personal tax returns, including all schedules.
Copy of social security, pension, and/or retirement award letters. (if applicable)

If Self-Employed

Copy of year-to-date profit and loss statement.
Copy of most recent two years corporate tax returns, including all schedules.

Deposit and Asset Information

Copy of most recent three months bank statements for all accounts, including all pages.
Copy of most recent statement for retirement account(s) (401k, mutual funds, stocks, etc).

If You Own Rental Property

Copy of lease or rental agreement(s).

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