Document Checklist
Paperwork Needed for Your Mortgage
Gathering these documents ahead of time ensures rapid underwriting and closes your loan fast.
Income Verification
- Last 2 years W-2 forms
- 30 days of recent paystubs
- Last 2 years federal tax returns (if self-employed)
Asset Documentation
- Last 2 months bank statements (all pages)
- Recent 401(k), IRA, or investment account statements
- Gift letter & donor bank statement (if using gift funds)
Personal Identification
- Government-issued Photo ID / Driver's License
- Social Security Card or proof of SSN
- Permanent Resident card (if applicable)
Property Documents
- Current homeowners insurance policy
- Most recent mortgage statement (if refinancing)
- Purchase contract & counter offers (if buying)