Mortgage Checklist

All income you want to use must be proven with the documentation below:

• 2 Most Recent Pay Stubs – Should cover roughly 30 days and have YTD totals.  *If paid weekly, then four pay stubs will be needed.  
• 2 Most Recent Years W2s – Your tax returns do not supplement the need for W2s.
• 2 Most Recent Years Tax Returns – Generally, this is needed for self-employed borrowers or receiving an income that isn’t documented on a W2, such as rental or farm income.  *If you own a business that files a separate tax return, we will also need two years of those.
• Award Letters or Statements of Income – Social Security or PERS are two of the most common.  

Any down payment or closing costs that you will be bringing in must be proven with the documentation below:

• 2 Most Recent Monthly Bank Account Statements – All Pages must be included even if they are blank.  
• 2 Most Recent Monthly or 1 Quarterly Statement – from any Retirement Funds being accessed such as CD, 401k, IRA, and Investment Accounts.  

Any of these that apply to you should be documented with the items below:

• Copy of Government Issued Photo Identification – Driver’s License, State ID, Passport, etc.
• Permanent Resident Card or Visa
• Copy of Final Divorce Decree/Legal Separation Agreement

All income you want to use must be proven with the documentation below:

• 2 Most Recent Pay Stubs – Should cover roughly 30 days and have YTD totals.  *If paid weekly, then four pay stubs will be needed.  
• 2 Most Recent Years W2s – Your tax returns do not supplement the need for W2s.
• 2 Most Recent Years Tax Returns – Generally, this is needed for self-employed borrowers or receiving an income that isn’t documented on a W2, such as rental or farm income.  *If you own a business that files a separate tax return, we will also need two years of those, with all schedules.
• Award Letters or Statements of Income – Social Security or PERS are two of the most common.  

Any down payment or closing costs that you will be bringing in must be proven with the documentation below:

• 2 Most Recent Monthly Bank Account Statements – All Pages must be included even if they are blank.  
• 2 Most Recent Monthly or 1 Quarterly Statement – from any Retirement Funds being accessed such as CD, 401k, IRA, and Investment Accounts.  

Any of these that apply to you should be documented with the items below:

• Copy of Government Issued Photo Identification – Driver’s License, State ID, Passport, etc.
• Permanent Resident Card or Visa
• Copy of Final Divorce Decree/Legal Separation Agreement
• Most Recent Mortgage Statement(s) – For all financed properties.
• Current Homeowners Insurance binder/declarations page – For all properties owned. 
• Most Recent Years Property Tax Statement – For all properties owned. 
• Homeowners Association Contact Information – if monthly HOA dues apply.