Please gather the following items to be better prepared for the steps in the mortgage process.
Basic Information
- Social Security numbers for all borrowers
- W-2 forms – past two years
- Paycheck stubs – copy of most recent 30-day pay period
- Addresses – past two years
Employment History
- Past two years including dates employed, name, address and phone of employer
Bank Statements
- Copy for all accounts covering recent two months
If you are self-employed or are paid commission
- P&L statement – current year-to-date
- Balance sheet – past two years
- Tax returns – two years signed federal tax returns and all schedules (including K-1s)
If you are currently renting
- Rental history- landlords’ names and phone numbers for the past two years
If you are purchasing a home
- Copy of sale contract
- Other items to remember
- Divorce decree, if applicable
- VA loans – Certificate of Eligibility & DD214
If you are refinancing
- Copy of title insurance policy
- Copy of current mortgage payment coupon
- Copy of homeowners and (if applicable) flood insurance policy
- Copy of warranty deed
- Copy of property survey
This checklist is a helpful tool, but please note, additional items may be requested.