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The exact documents depend on the borrower and program. Use this as a preparation guide, then follow the secure upload instructions from your mortgage professional.
Working checklist
Do not send these records by ordinary email. Your mortgage professional will identify the applicable items and provide a secure delivery method.
Common requests may include recent pay records, W-2s, tax returns and employment verification. Self-employed, 1099, bank-statement, P&L and other Non-QM programs may use a different approved documentation path.
Prepare complete bank or investment statements when requested, including all pages. Large or unusual deposits may require an explanation and supporting source documentation.
A purchase file may require the fully executed sales contract and Realtor information. Refinance, equity, investment and commercial files may also require mortgage statements, property-tax records, leases, insurance information or entity documents.
Identification and other sensitive records should be delivered only through the secure process provided by 7th Level Mortgage. Never send Social Security numbers, bank statements or identity documents through the general contact form, AI guide or ordinary email.
Start with the transaction you want to discuss: purchase or refinance, intended occupancy, property type, approximate loan amount and income sources. Gather the records relevant to that scenario. Do not assume that checking every box on a public list proves that the documents satisfy the applicable program.
Review each file before submitting it: confirm the name, account or employer, period covered and whether all relevant pages are included. Name files so their purpose and date are clear. Keep originals and use the approved secure delivery method. If you have already provided a record, identify the earlier submission when asking about an update instead of repeatedly sending an unlabelled attachment.
Track the sources of down payment and closing funds. Tell the team about gifts, transfers between accounts, a planned sale of another property or funds held in a business. The supporting paper trail depends on the source and program. An unexplained deposit does not become verified income simply because it appears in a bank account.
After an accepted offer, add the contract and amendments and coordinate property, insurance and appraisal conditions. For a refinance, identify current liens and payoff information. Update the team promptly if employment, debts, available assets or the closing date changes.
Before signing, compare the final payment and cash needed with the disclosures you reviewed earlier. Ask what conditions remain and who is responsible for each one. A complete checklist reduces missing information, but underwriting and the property review still determine whether the transaction can close.
The review may require current evidence or information not visible on an earlier record. Ask which account, period or transaction detail is needed so you can supply the correct update.
A borrower review can begin before a property is selected. The eventual contract, property and final conditions still require review, so ask what the preapproval has actually verified.
General information is useful. A mortgage professional can help you evaluate the facts that apply to you.
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