Documents Required for a Home Mortgage Loan

Below is a list of documents that are required when you apply for a mortgage loan. Having the necessary financial documentation ready when you talk to our mortgage loan experts will speed up the mortgage process.

However, every situation is unique and you may be required to provide additional documentation. And our mortgage loan experts are ready to help you to determine what documentation you'll need for your particular situation.

Credit History

When you apply for a mortgage loan, we must pull your credit report to know how credit worthy (or risky) you are as a borrower. Borrowers with high credit scores are more likely to qualify for a larger mortgage loan, better loan options, and/or a more favorable interest rates. Call and talk to one of our knowledgeable loan advisors and we can pull your credit right over the phone with you and have you Pre-Approved in just a few minutes (888) 834-1988


For the Employed Borrower on a Mortgage Refinance

  • W-2 Forms for the last two years.
  • One Most current month of pay check stubs.
  • Mortgage Statements or Coupon on your current mortgage(s).
  • Homeowners Insurance Declarations page or your Insurance Name & Phone Number.
  • 2 Months most recent bank statements (all pages & accounts please).
  • 401K, IRA’s, Stocks, Bonds Statements (if any or if we need them).
  • Drivers License, ID or Passport.
  • Social Security Card (FHA & VA Loans ONLY).

For the Self-Employed Borrower on a Mortgage Refinance

  • Complete Tax Returns Personal & Business K1’s if you’re a Corporation for the last two years.
  • Year to Date Profit & Loss Statement.
  • Mortgage Statements or Coupon on your current mortgage(s).
  • Homeowners Insurance Declarations page or your Insurance Name & Phone Number.
  • 2 Months most recent bank statements (all pages & accounts please).
  • 401K, IRA’s, Stocks, Bonds Statements (if any or if we need them).
  • Drivers License, ID or Passport.
  • Social Security Card (FHA & VA Loans ONLY).

For the Employed Borrower on a Home Purchase Loan

  • W-2 Forms for the last two years.
  • One Most current month of pay check stubs.
  • Signed Purchase Contract by all parties.
  • Name & Phone Number for your Realtor.
  • Copy of your Earnest Money Deposit.
  • Insurance Name & Phone Number if you have one yet.
  • 2 Months most recent bank statements (all pages & accounts please).
  • 401K, IRA’s, Stocks, Bonds Statements (if any or if we need them).
  • Drivers License, ID or Passport.
  • Social Security Card (FHA & VA Loans ONLY).

For the Self-Employed Borrower on a Home Purchase Loan

  • W-2 Forms for the last two years.
  • One Most current month of pay check stubs.
  • Signed Purchase Contract by all parties.
  • Name & Phone Number for your Realtor.
  • Copy of your Earnest Money Deposit.
  • Insurance Name & Phone Number if you have one yet.
  • 2 Months most recent bank statements (all pages & accounts please).
  • 401K, IRA’s, Stocks, Bonds Statements (if any or if we need them).
  • Drivers License, ID or Passport.
  • Social Security Card (FHA & VA Loans ONLY).

Once you've begun the loan process, our loan expert will let you know exactly what documentation you'll need to get approved.

If you would like to learn more about the process of getting a home mortgage loan, Contact Us to talk to a mortgage loan expert (888) 834-1988 or submit a Loan Advisor Request.