Finding a Home
Financing a Home
Closing on a Home
Paperwork you need for your mortgage application
When you apply for a loan, you typically need to provide quite a bit of information. This paperwork allows your lender to verify your income and assets.
Locate the paperwork you’ll need
To help you get started, here are some of the most common documents you will give to your lender. Having these ready could help your mortgage application go as quickly and smoothly as possible.
- Copies of pay stubs for each applicant, reflecting a minimum of 30 days of income
- Names/addresses of employers for two years
- W-2s for two years
- One to two years of tax returns
- A completed and signed Form 4506-T or 4506T-EZ, provided by your Mortgage Banker
- Bank statements for two to three months
- If self-employed, year-to-date profit and loss statement, plus signed returns for last two years
- Proof of pension income, if applicable
- Social Security and Disability payments, if applicable
- Dividend earnings
- Child support Footnote (Opens Overlay) or alimony Footnote (Opens Overlay) payments (optional for you to disclose)
- A copy of earnest money deposit
- Information on debts such as car loans, student loans and credit cards
- Security accounts (stocks, bonds, life insurance)
Once you’ve found the home you want and are ready to move forward with your mortgage application, you’ll need to provide a copy of the home purchase contract signed by you and the seller.
Don’t forget everyone listed on the loan will need to provide their financial information. And it’s common that your lender will ask you for more documents as they review your application.
Your Mortgage Banker will help you figure out what documents are needed. You can also use this checklist (PDF) to get started.
Si tiene alguna pregunta, por favor
llame al 1-800-873-6577.