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Mortgage Documents Checklist

mortgage home loan checklist

Mortgage Documents Checklist

Buying a home (as amazing as it is!) does involve a lot of paperwork. Some of it is required at the beginning for the preapproval, and other documents will be requested later on in the process, after you've made an offer. It helps if you know ahead of time what you'll have to provide, instead of being blindsided and unprepared when your lender asks you for each item. Also - the entire process tends to go much more quickly if you have your documents ready to go. Many mortgage loans that get stretched out over the course of many weeks are due to the buyer not having the needed documentation.

If you're getting ready to apply or get pre-qualified for a mortgage loan, now is the time to start gathering your needed documentation.  Here’s a checklist of the documents you’ll likely need to provide to your mortgage lender: 

Mortgage Documents Checklist


  • 1-2 months of bank statement(s) verifying down payment funds
  • 1 month of paystubs verifying employment
    • If self-employed, gather two years of tax returns
    • If on fixed income, provide benefit letter/award statement

Full Mortgage Application

  • 1-2 years of tax returns
  • 1 month of most recent paystubs
  • 1-2 years of W2s
  • 1-2 months of all bank statements and other asset statements (investments, life insurance, income from rental property contracts, etc.)

How to buy a house


You may also need:

  • Proof of direct deposit and benefit statements/award letters for any additional income (SSI, alimony, child support, etc.)
  • Explanation letters (if any negative items are shown on your credit report)
  • Gift letters (if someone is giving you a monetary gift to contribute to your down payment)
  • Lease agreements (if you’re planning on renting out your existing home)
  • Listing agreement (if selling your existing home before closing on the new home)


Are you ready to get pre-approved for a mortgage loan? We're here to help! Contact us today to get started.

Download This Checklist


This article is intended to be a general resource only and is not intended to be nor does it constitute legal advice. Any recommendations are based on opinion only.

Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval.

Mortgage Documents Checklist