A LIST OF DOCUMENTS REQUIRED BY LENDER

FOR MORTGAGE PRE-APPROVAL

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.

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Identity

 

• 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

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• 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.