Documents you need to get a mortgage
The following information is usually required during the loan process:
- Your Social Security Card and Driver’s License
- Income Documentation:
- Salary – Most recent paystub and W-2 or 1099
- Self-Employed, Rental or Interest income – 2 years most recent Personal AND Business tax returns, must include all schedules and K-1’s (if applicable)
- Pension and Social Security Income – Award Letter or 1099 AND 2 months most recent bank statements documenting receipt of funds
- Recipient of Alimony or Child Support – Full documentation of court order and proof of receipt for the past 12 months (bank deposits or cancelled checks)
- Bank statements for the past two months, must include all pages and be most recent statements available at time of application
- Investment or Retirement account statements for the past two months, must include all pages and be most recent statement available at time of application
- Real Estate contract (if purchasing)
- If obligated to pay Child Support or Alimony – provide full court ordered documentation
- Bankruptcy – provide full copy of filing and discharge documentation
If you currently own real estate:
- Mortgage account information
- Home insurance policy information
- Home equity account information (if applicable)
- Property Tax Information
FHA/USDA/VA Financing
All of the above documentation plus:
- Previous year’s W-2 or 1099
- 1 full month of paystubs
- DD214 & Certificate of Eligibility (VA only)