What do I need to get a loan?
Applying for a mortgage? Here are the documents you'll need.
You've found the perfect home. You've received your pre-qualification for your mortgage loan through your lender. Now what? Time for some paperwork.
This checklist includes a list of documents most commonly requested to apply for a mortgage.
Documents needed for all mortgage application types
- Social Security numbers and birth dates of all borrowers
- Current address or previous address if you have been living at your current address for less than 2 years
- 24-month employment history including name, address and phone number of employers
- Copies of last 2 pay stubs
- Copies of W-2 forms for the last 2 years
- Bank statements for the most recent 2 months and quarterly investment statements, if applicable
- Any other additional income you wish to include on your application to qualify for the loan (e.g., child support or alimony)
- Homeowner's insurance information declaration page or insurance agent's contact information
- Purchase agreement, including all addendums and disclosures, signed by both seller and buyer (not required for pre-qualification)
- Landlord contact information (if you are currently renting) - include name, address, phone number
- Copies of last 2 years of federal tax returns may be required