Having the right documents prepared upfront is the single most effective way to speed up your
mortgage process. Use the checklists below based on your loan type and borrower profile. Your advisor may request additional items based on your specific situation.
- Government-issued photo ID (driver's license or passport)
- Social Security number (for credit authorization)
- Two most recent years of federal tax returns (all pages and schedules)
- Two most recent years of W-2s or 1099s from all employers
- Most recent 30 days of pay stubs from all employers
- Two most recent months of bank statements (all pages, all accounts)
- Executed purchase contract (once under contract)
- Homeowners insurance binder or agent contact information
- Government-issued photo ID
- Social Security number
- Two most recent years of federal tax returns (all pages and schedules)
- Two most recent years of W-2s or 1099s
- Most recent 30 days of pay stubs
- Two most recent months of bank statements (all pages, all accounts)
- Most recent mortgage statement(s) on all properties owned
- Current homeowners insurance declaration page
- Two most recent years of personal federal tax returns (all pages and schedules)
- Two most recent years of business federal tax returns (all pages)
- Most recent year-to-date profit & loss statement (signed by borrower or CPA)
- Most recent two months of business bank statements (all pages)
- Most recent two months of personal bank statements (all pages)
- Business license or documentation of business existence (CPA letter, state filing, DBA registration)
- Accountant/CPA contact information (may be required for verification)
- For bank statement loans: 12–24 months of business or personal bank statements in lieu of tax returns
- Government-issued photo ID
- Social Security number (or entity documentation if borrowing in LLC/entity)
- Two most recent years of personal tax returns including Schedule E
- Executed lease agreements for all subject and existing rental properties
- Most recent two months of bank statements (personal and/or business)
- Mortgage statements for all currently owned properties
- Property management agreement (if applicable)
- For DSCR loans: Signed lease agreement or market rent analysis for subject property