Documents Needed for a Mortgage Application: Mortgage Documentation Checklist

After establishing your budget, accounting for factors such as income, debts, and affordable interest rates, you can complete a loan application. The following outlines the home loan application checklist. Keep in mind, depending on your specific situation all of these documents may not be required or additional information may be necessary. To review your situation, give us a call at 212-688-9500.

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Documents Needed to Apply for a Mortgage

Follow this mortgage documentation checklist to better understand the documents needed to apply for a mortgage. It’s important to prepare for the home buying and mortgage process!

A. Personal Identification

  • Government-issued identification (Driver’s License or Passport)
  • Social Security Number
  • Address of Primary Residence
  • Resident Alien Card or Visa (if not a U.S. citizen)

B. To verify income, please submit the following:

  • Copies of pay stubs for the most recent 30-day period
  • If you recently changed employment, a copy of your Employment Contract/Offer Letter
  • Most recent two years W-2 forms
  • Most recent two years Federal Tax Returns (Form 1040, all schedules)
    If Self Employed

    • Most recent two years Corporate Tax Returns (Federal Only)
    • Year-To-Date Profit and Loss Statement and Balance Sheet (signed by borrowers)
    • CPA letter stating the length of Self Employment, years filing taxes and % of ownership

D. To verify Assets, please submit the following:

  • Bank Statements (most recent two months – all pages
  • Brokerage Accounts (most recent two months – all pages
  • 401(k) / IRA (most recent two months or quarterly statements)
  • A gift letter from a donor (if applicable)
  • Verification of down payment funds

E. To verify Liabilities, please submit the following:

  • If you are currently renting, provide name and address of the landlord
  • If you are currently paying alimony or child support, a complete copy of the Divorce Decree
  • If you are refinancing, provide the most recent mortgage statement(s)
  • If you have a Home Equity Line of Credit, will you be closing it? ___Yes ___No

E. If a purchase transaction:

  • Please submit a copy of the Binder or Purchase Agreement signed by all parties (including ALL ADDENDUMS)

F. If you are selling a home:

  • Please submit a copy of the Binder or Purchase Agreement signed by all parties (including ALL ADDENDUMS)

G. Credit

  • Copies of canceled rent checks
  • Canceled mortgage payment checks for the last 12 months (if applicable)
  • Addresses of all real estate owned and evidence of taxes and insurance


After completing a mortgage application, the loan will go into underwriting and processing. We will work with you to deliver all mortgage documentation, schedule the transfer and deposits and finalize your mortgage closing date in a timely and efficient manner.