Documents to Gather for Mortgage Loan Application

Gather all of the following documents before you meet with your loan officer. Just to be safe, make sure you don't pack these as you prepare for your move since your lender may ask for additional documents during the application process.

Work History

• W2 forms from past two years
• Pay stubs for the past 1-3 months
• Personal tax returns for the past two years
• If self-employed:
  Business and personal tax returns for the past two years
  Year-to-date profit and loss statement
  Year-to-date balance sheet

Credit Rating and History

• Credit report
• Credit score
  Note: Your loan officer will pull a copy of your credit report and score. But it’s a good idea to check them ahead of time. You can get your credit score or credit reports online for free.

Total Debt

Names, balances, & account numbers for all:

• Credit cards
• Student loans
• Car loans
• Store lines of credit
• Other consumer debt with recurring monthly payments
• Alimony payments
• Child support payments
• Divorce decree

Down Payment

• Documentation of down payment, such as a previous two month’s bank statements (all pages) showing account balance for checking and savings accounts

Investments and Other Assets

• Two months of statements (all pages) reflecting stocks, bonds, or other investment accounts
• Retirement account statements (401(k), IRA)

Residence History for Previous Two Years

• Name and phone number of landlord (if renting)
• Current mortgage documentation (if you own a home already)