Mortgage Checklist

Having your documents ready makes the loan process dramatically faster. Here's what you'll typically need.

Income

• Pay stubs covering the most recent 30 days
• W-2 forms for the last two years
• Federal tax returns for the last two years (all pages), especially if self-employed
• Documentation of any other income (Social Security, pension, rental income)

Assets

• Bank statements for the last two months (all pages, all accounts)
• Retirement and investment account statements
• Gift letter, if part of your down payment is a gift

Identity & Property

• Government-issued photo ID
• Purchase and Sales agreement (for purchases)
• Current mortgage statement, homeowners insurance declaration, and most recent tax bill (for refinances)

Not sure whether something applies to you? Just ask — we'll send you a personalized list when you start your application.