This is a list of the most common documents the loan office or mortgage broker asks for. Each buyer’s circumstances are different/unique, so it may be a good idea to check with them before your appointment and use this list as a guide to check of the items to help you remember.


  • Drivers license or some other form of photo ID
  • Social security number
  • Your full legal name and date of birth
  • Addresses where you have lived for the past two years (may be more)
  • Most recent bank statements (2 or 3 months checking, savings,)
  • Proof of Pension and Social security payments (if applicable)
  • Employers names and addresses for the past 2 years
  • W-2 forms for the last 2 years
  • Income amounts and sources
  • Bonuses and overtime
  • Source of funds and confirmation for any large deposits
  • Pay stubs for the last 30 days
  • Full federal tax returns (signed) for the last 2 years
  • Child support income (optional) *
  • Alimony or separate maintenance (optional) *
If self employed
  • Business tax returns (signed) for the last 2 years
  • Year-to-date profit and loss statement and balance sheet
  • List of all business debts
Other circumstances
  • Unresolved credit dispute information
  • Information on debts such as credit cards, student loans, car loans
  • Bankruptcy discharge documentation
  • Divorce decree (if applicable)
          * It's not necessary to disclose child support, alimony or maintenance income unless you
              want the lender to consider it as a basis for repaying the loan.