Here is a typical list of the documents you need when applying for a mortgage.  Your mortgage professional may request additional documents based upon your individual situation.

 

ð [ ] Money for the down payment, closing costs, and cash reserves (purchases only)

ð  [ ] Completed sales contract signed by buyers and sellers (purchases only)

ð [ ] Copy of an escrow letter or cancelled check verifying deposit funds (purchases only)

ð [ ] Social Security numbers of all applicants

ð  [ ] A photo ID for all applicants

ð [ ] Complete address for the past two years (including complete name and address of landlords for past 24 months)

ð [ ] Name, address, and all income earned from all employers for past 24 months

ð [ ] Previous two years' W-2s (salaried borrowers) - OR - previous two years' tax returns with all schedules (self-employed borrowers)

ð  [ ] Most recent 30 days pay stubs showing year-to-date earnings

ð [ ] Name, address, account number, monthly payment and current balance for all loans and charge accounts

ð  [ ] Name, address, account number, and balance of all deposit accounts, such as checking accounts, savings accounts,

stocks, bonds, etc.

ð [ ] Three months most recent statements for deposit accounts, stocks, bonds, etc.

ð  [ ] If you choose to include income from child support and/or alimony, bring copies of court records of cancelled checks

showing receipt of payment.

ð [ ] Certificate of Eligibility DD 214 (VA loans only)

 

Your lender and closing attorney will also tell you what paperwork and documents you will need to present at the loan closing.