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.

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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

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