Preparation Guide
Mortgage Document Checklist
Having these standard financial documents ready ensures a seamless 14-day loan approval process.
Income & Employment
- Most recent 30 days of pay stubs
- Last 2 years of W-2 statements from all employers
- Last 2 years of personal Federal tax returns (1040s)
- If Self-Employed: Last 2 years business tax returns & K-1s
Assets & Banking
- Last 2 months of bank statements (all pages included)
- Most recent retirement/401k or investment statements
- Gift letter (if receiving down payment help from family)
Personal Identification
- Copy of Driver's License or Government Photo ID
- Social Security card copy
- Permanent Resident card or work visa (if applicable)
Special Circumstances
- VA Loans: DD-214 or Certificate of Eligibility (COE)
- Divorce Decree or Child Support orders (if applicable)
- Bankruptcy discharge papers (if applicable)