Mortgage Document Readiness Checklist

What this page recommends

What belongs on your mortgage document readiness checklist?

1. Pay stubs covering your most recent 30 days of income, with year-to-date totals visible.
2. W-2 forms for the last two years, plus any 1099s for income paid outside payroll.
3. Federal tax returns for the last two years, with every schedule attached.
4. Two months of statements for each account holding your down payment or reserves.
5. A short written note on any deposit that did not come from your employer.
6. Current statements for the debts underwriting will see: cards, student loans, auto notes.
7. Photo ID, and your name written exactly as it appears on your tax return.
8. For any other property you own: the mortgage statement, tax bill and insurance policy.