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Mortgage Checklist


Identity and Income Verification

  • Full legal name, Social Security number, and birthdate
  • Phone number, email address, and current and former residential mailing addresses over the last two years
  • Primary and secondary income amounts and source
  • Government issued ID
  • Name, addresses, and phone numbers of all employers over the last two years
  • Monthly debt obligations
  • Address of property being purchased, year built, estimated down-payment amount, and purchase price
  • Estimates of annual property taxes, homeowners insurance, and any homeowner association dues

 Income / Assets Verficaiton

  • Pay stubs - covering the past 30 days
  • W-2 for the past 2 years
  • Federal Tax returns for the past 2 years
  • Asset /Bank statements for the most recent 2 months
  • Letters of explanation for employment gaps over 30 days

Income Verification ( Self Employed)

  • Federal Tax Returns (personal and business) for past three years
  • Profit and Loss Statement - YTD

Credit Verification

  • Credit Explanation letter for late payments, collections, judgments, or other derogatory items in credit history
  • Source of funds for any large deposits listed on asset accounts
  • Gift letter (if applicable)
  • Judicial decree or court order for each obligation due to legal action
  • Bankruptcy / discharge papers for any bankruptcies in credit history
  • Payment history for public utilities, phone, cable TV, car insurance,  or other expenses to establish a credit history if applicable


  • Homeonwers Insurance informaiton, including agent's name and phone number
  • Purchase contract signed by all parties
  • Current landlord name and address
  • Closing statement from sale of current property





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