Start using this Workflow
Mortgage Application Checklist
Personal Information
Provide a government-issued ID (e.g., driver's license, passport)
Submit Social Security Number
Supply a recent utility bill or lease agreement for address verification
Employment and Income Verification
Provide recent pay stubs (last two months)
Submit W-2 forms from the past two years
Include contact information for your current employer
Financial Information
Provide bank statements from the past three months
Submit statements from retirement accounts (e.g., 401(k), IRA)
List all outstanding debts and monthly payments (e.g., credit cards, student loans)
Property Information
Submit a copy of the purchase agreement
Provide information on the property’s estimated value
Include details about the property’s insurance coverage
Credit Information
Authorize the lender to perform a credit check
Provide explanations for any negative items on your credit report
Supply information on any past bankruptcies or foreclosures
