Organize before you apply

Mortgage Loan Documentation

Complete, current documents help the mortgage team understand the application and reduce avoidable delays. Alternative-documentation programs still require records.

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Working checklist

Mortgage documentation checklist

Do not send these records by ordinary email. Your mortgage professional will identify the applicable items and provide a secure delivery method.

Identity and residence

Government-issued photo identification
Current address and prior residence history when requested
Contact information for every borrower

Wage and salary income

Recent pay records covering the requested period
W-2 forms for the years requested
Employer names, addresses and employment history
Documentation for bonuses, overtime or commission when applicable

Self-employed or alternative income

Personal and business tax returns when required
Year-to-date profit-and-loss statement and balance sheet when required
Personal or business bank statements for a bank-statement program
1099 forms, written VOE or other program-specific records
Business license, ownership or accountant information when requested

Assets and funds to close

Complete bank and investment statements—all pages
Statements for retirement or other eligible assets
Gift documentation when gift funds are used
Paper trail for large deposits, transfers or recently moved funds

Purchase or refinance property

Fully executed purchase agreement for a purchase
Realtor and insurance-agent contact information
Current mortgage and home-equity statements for a refinance
Property-tax bill, homeowners-insurance declaration and HOA information when applicable
Leases and rent information for eligible investment properties

Special circumstances

Divorce, support or separation documents when relevant to qualification
Bankruptcy, foreclosure or other credit-event documents when requested
Entity documents for an LLC or business-purpose transaction
Explanation and supporting records for unusual income, deposits, debts or property ownership

Document the source of funds

Large or unusual deposits, gifts and transferred funds may require additional documentation. Keep a clear record and ask before moving money.

Use a secure channel

Do not place Social Security numbers, bank statements, identification or tax records into general email, quote forms or the AI guide. Use the approved secure application or document portal.

Need an answer for your situation?

General information is useful. A mortgage professional can help you evaluate the facts that apply to you.

Contact 7th Level Mortgage