Mortgage Application Checklist

Purchasing a home can be a complex process but knowing what you need before you apply for your mortgage loan can help make the process smooth and stress-free.

Here’s what you will need to have available when applying for a mortgage loan:

Driver’s License


  • Complete address for each residence you’ve resided at during the past 24 months

  • For Renters: Landlord information (name, address, and phone)


  • Name(s), address(es), and phone numbers of all employers for the past two years and dates worked

  • Relocation: Copy of employer’s relocation agreement


  • Last 30 days pay stubs (including bonus and/or commission pay)

  • Past two years W-2 or 1099 forms


  • Past two years complete tax returns (all schedules)

  • Year-to-date profit and loss statement and business tax returns (all schedules)


  • Two months original bank statements (all pages) on all checking, savings, credit union, all investment accounts (including retirement)

Divorced or Separated Persons

  • Complete divorce petition, signed, recorded final decree, and/or separation agreement

Rental Properties

  • Copies of current leases and tax returns

VA Loans

  • Copy of DD214’s and certificate of eligibility