The Mortgage Application Checklist

The amount of paperwork required for a mortgage can be a bit overwhelming. This mortgage application checklist has been put together to help prepare you for what comes next after finding your Dream Home.


Every lender requires documents as part of the process of approving a mortgage loan. Here are documents you’re generally required to provide.

*Your selected lender may require more than what is listed, but guaranteed, they will want what is listed below:

  • W-2 Tax forms — or business tax returns if you’re self-employed — for the last two or three years for every person signing the loan.
  • At least one pay stub for each person signing the loan.
  • Account numbers of all your credit cards and the amounts for any outstanding balances.
  • Two to four months of bank or credit union statements for both checking and savings accounts.
  • Lender, loan number, and amount owed on installment loans, such as student loans and car loans.
  • Addresses where you’ve lived for the last five to seven years, with names of landlords if appropriate.
  • Brokerage account statements for two to four months, as well as a list of any other major assets of value, such as a boat, RV, or stocks or bonds not held in a brokerage account.
  • Your most recent 401(k) or other retirement account statement.
  • Documentation to verify additional income, such as child support or a pension.


There is no time like the present to start getting some of these items gathered together. The more prepared you are the smoother the home buying process can be.