Getting your financial documents organized early can help your mortgage application process go more smoothly. Below is a general list of documents that are commonly requested. Your specific requirements may vary depending on your loan type, financial situation, and lender guidelines.

For a Purchase Loan (may include):

• Signed purchase agreement
• Last 2 years of federal tax returns
• W-2 forms for the past 2 years (for all borrowers)
• Most recent pay stud(s)
• 12 months of canceled checks for rent/mortgage verification (if applicable)
• Most recent 2 months of personal bank statements
• Asset statements (e.g., 401(k), brokerage accounts, mutual funds, stocks)
• Signed loan application
• Mortgage statement or rental agreement
• Borrower's signed authorization
• Government-issued photo ID (e.g., driver's license) and Social Security card
• For self-employed borrowers: 2 years of business tax returns with all schedules
• Names, addresses, and account numbers for all deposit and loan accounts
• Divorce decree (if applicable)
• Name and address of current landloard (if renting)
• Documentation for support payments (income or expense, if applicable)

For a Refinance Loan (may include):

• Last 2 years of federal tax returns
• W-2 forms for the past 2 years and current pay stub(s)
• Most recent 2 months of personal bank statements
• Asset statements (e.g., 401(k), brokerage accounts, mutual funds, stocks)
• Signed loan application
• Mortgage statement or rental agreement
• Borrower's signed authorization
• Government-issued photo ID and Social Security card