Mortgage Document Checklist

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Government-issued photo ID Social Security numbers for all borrowers Last 2 years of federal tax returns with all schedules Last 2 years of W-2 forms or 1099 forms Last 30 days of pay stubs Last 2 months of bank statements (all accounts) Documentation of other income (social security, alimony, etc.) List of all debts and monthly payments Explanation and documentation for any credit issues Purchase agreement (for home purchases) Gift letter (if using gift funds) Documentation of earnest money deposit Homeowners insurance policy Home inspection report Appraisal report Title commitment Closing disclosure review (3 days before closing)