Mortgage Checklist


  • Purchase agreement and all addendums. This is usually provided to your lender by the realtor.  

  • Proof of homeowner's insurance for the home you are purchasing. 

  • Bank statements for the most recent two months for all accounts. 

  • The most recent statement for any Retirement/IRA/401K accounts. 

  • Copies of your I.D. and proof of Social Security Number (SS Card or W-2)

  • All paystubs covering the most recent 30 day period.

  • College transcripts if you do not have a two year job history and have been attending school.

  • Federal tax returns for the most recent two years, including all schedules, W2s/1099s.

  • Documentation supporting other income being used for qualification. See your lender for specific requirements.

  • Physical address history for the most recent two year period.  If you rented, you will need to provide the landlord's name and phone number. 

  • Employment history for the past two years.  

  • Divorce Decrees, if applicable for all borrowers within the last 10 years.

  • Full Bankruptcy Discharge paperwork, if applicable for all borrowers in the last 10 years.

  • Closing Statement or Relocation Buyout Agreement for any current property that you may be selling prior to buying your new home.

  • If you are receiving gift funds for closing costs and down payment there are additional requirements, please see your lender for specific requirements.