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.