Mortgage Application Documents Checklist

What are the mortgage application documents needed to apply for a property loan? Find out the answer with our mortgage application documents checklist below.

Proof of Income

  • Pay Slips for the last 3 months (for employees)
  • W-2 Form for the last 2 years (for employees)

  • Income Tax Returns for the last 2 years (for self-employed)
  • Business Tax Returns for the last 2 years (for self-employed)
  • Profit and Loss Statement for the last 2 years (for self-employed)
  • Balance Sheet for the last 3 months (for self-employed)

  • Federal Tax Returns Schedule E for the last 2 years (for rental property owners)
  • Copy of Lease Agreements (for rental property owners)

  • Social Security Award Letter (for social security recipients)
  • Pension Check* (for pensioners)

  • Divorce Decree (for alimony/child support recipients)
  • Alimony or Child Support Check* (for alimony/child support recipients)

*If you're receiving pension or alimony payouts by direct deposit, then bring a copy of your bank statement showing the deposit source and amount.

Proof of Assets

  • Savings and Checking Account Statements for the last 3 months
  • Investment Account Statements for the last 3 months
  • Retirement Account Statements for the last 3 months (including 401(k))
  • Property Deeds and Automobile Titles

Proof of Liabilities

  • Credit Account Statements for the last 3 months (including credit cards and loans)
  • Mortgage Loan Statements for the last 2 years
  • Court Documents for Bankruptcy (if applicable)

Proof of Identify

  • Identification Card
  • Social Security Card
  • Driver's License

Different mortgage lenders have different document requirements. For example, some mortgage lenders do not require proof of assets and liabilities. Before using the mortgage checklist above, we recommend that you confirm the list of required documents with your lender.

Financing Properties

Financing Properties

Financing Properties

Buying Rental Property

Buying Rental Property