Documents

Loan Documentation Needed

Applying For A Mortgage Requires Submitting Financial And Personal Documents So We Can Verify Your Income, Assets, And Credit. Below Is A Guide To The Documentation Typically Needed, Whether You’re A First-time Homebuyer, Self-employed, Or Looking For A Specialized Loan.

Personal Identification

What we need:

Government-issued photo ID (driver’s license, passport)
Social Security number
Proof of legal residency or citizenship (if applicable)

Why it matters:

This helps us verify your identity and comply with federal regulations.

Income Documentation

For Employed Borrowers:

Pay stubs covering the last 30 days
W-2 forms from the past 2 years
Recent tax returns (sometimes required for bonus or overtime income)

For Self-Employed Borrowers / Non-QM Loans:

Tax returns (personal and business) for the past 2 years
Profit & loss statements
Bank statements (usually 12–24 months)
1099s, if applicable

Why it matters:

Income verification ensures you can comfortably afford your mortgage payments.

Asset Documentation

What we need:

Recent bank statements (checking, savings, investment accounts)
Retirement or investment account statements
Documentation of other assets, like property or valuable items if used for down payment

Why it matters:

Lenders need to confirm you have sufficient funds for your down payment, closing costs, and reserves.

Debt and Obligations

What we need:

Credit card statements
Student loan statements
Auto loans, personal loans, or other recurring debt
Alimony or child support obligations, if applicable

Why it matters:

Knowing your debt helps determine your debt-to-income ratio, which affects loan approval.

Property Documentation

What we need:

Purchase agreement or sales contract
Homeowner’s insurance information
HOA documents, if applicable
Appraisal (usually ordered by lender)

Why it matters:

These documents help underwriters assess the property’s value and ensure compliance with your loan program.

Additional Documents

Depending on the loan type, you may also need:

Bankruptcy discharge papers (if applicable)
Divorce decree (if relevant to financial obligations)
Gift letters (if using gift funds for down payment)
Construction plans and contracts (for construction loans)

Tips for a Smooth Process

Organize documents in advance: Saves time and reduces stress.
Use our secure document portal: Upload files safely and securely.
Respond promptly to requests: Keeps your loan on track for a fast approval.
Check for completeness: Make sure documents are signed, dated, and legible.

Ready to start your mortgage?

Upload your documents securely through our portal and get pre-approved today!”