Mortgage Loan Application Checklist

Use this checklist to prepare for completing your mortgage loan application. This is a nice list of documents and statements that will help you complete it smoothly.

Employment History/Income Sources

  • Name, address, and phone numbers of fall employers for the past two years
  • Past two year’s W-2s
  • Most recent pay stub from employer

Self Employed/Borrowers & Commissioned Income

  • Past two years’ tax returns with all schedules (Individual, Partnership, and Corporate)
  • Current Balance Sheet and Y.T.D. Income Statements for the business owned

Sources of Funds for Closing

  • Name, address, and account number for all checking, savings, and investment accounts
  • Most recent bank statements of all accounts
  • Closing statement on sale of a prior home
  • If using gift funds, gift letter and verify funds


Provide account number, monthly payments, and approximate balance for all debts:

  • Auto Loans
  • Credit Cards
  • Signature Loans
  • Landlord (need address)
  • Mortgage Loans (need address)

Miscellaneous Information & Documents

  • Initial deposit for credit report and appraisal
  • Copy of Earnest Money Agreement/Contract
  • Child care letter/explanation
  • Bankruptcy papers and discharge, if applicable
  • Photo I.D. and Social Security cards (FHA only)
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