Documents Required for Mortgage Application

Depending on your type of employment and type of loan, the documents you will need are:

Purchasing a Home – W2 wage earner:

  • 2 years W2 (if applicable)
  • Last 2 years of personal tax returns
  • Last 30 days of paystubs
  • Last 2 months Personal Bank Statements Please include all pages of each monthly statement
  • A Copy of your Driver’s License
  • Name of Hazard Insurance you will use for the property (once you have this identified)
  • Purchase Agreement / Earnest Money Receipt

Purchasing a Home – Self Employed/Business Owner

  • Last 2 years of Personal Tax Returns
  • Last 2 years of Business Tax Returns
  • 2 years W2 (if applicable)
  • YTD Profit & Loss Statement and Balance Sheet
  • Last 2 months Business and Personal Bank Statements Please include all pages of each monthly statement
  • A Copy of your Driver’s License
  • Name of Hazard Insurance you will use for the property (once you have this identified)
  • Purchase Agreement / Earnest Money Receipt

Refinancing – W2 wage earner:

  • Last two years of Personal Tax Returns
  • Last two years of W2s for you both
  • 30 days worth of paystubs
  • A Copy of both of your Driver’s Licenses
  • Copy of your Homeowners Insurance Declaration Page to show the annual premium
  • Most Recent Mortgage Statement & HOA Statement (if applicable)

Refinancing- Self Employed/Business Owner

  • Last two years of Personal Tax Returns
  • Last two years of Business Tax Returns
  • 2 years of W2s (if applicable)
  • YTD Profit & Loss and Balance Sheet
  • Last 2 months Business Bank Statements
  • A Copy of your Driver’s License
  • Copy of your Homeowners Insurance Declaration Page to show the annual premium
  • Most Recent Mortgage Statement and HOA statement (if applicable)

*In some cases, the underwriter may request additional information/documentation from you.