Get your documents ready.
This checklist is a general starting point. Your mortgage broker will give you specific guidance on the documents you need based on your individual financial profile, loan program and situation.
Build your checklist.
Select the categories you want in your PDF or printed copy. Your mortgage broker will confirm what applies to your individual profile and provide any additional requirements.
START HERE
Your basic information
- Government-issued identification and the personal details requested in your secure application.
- Current and previous addresses and employment history, typically covering the past two years.
- Information about current debts, housing payments, and other financial obligations.
- Tell your Loan Officer about gifts, property sales, variable income, or recent financial changes.
FUNDS FOR CLOSING
Your accounts & assets
- Recent bank and investment statements, commonly the two most recent monthly statements; your lender will confirm the period.
- Every page of each statement, even blank pages, with the account owner identified.
- Records supporting gift funds, property-sale proceeds, or large deposits when requested.
- Check with your team before moving funds so the source and transfer can be documented.
Add what applies to you.
Open the sections that fit your income and transaction. You do not need every document listed.
Wages or salary
- Recent pay statements, commonly covering the last 30 days.
- W-2 forms, commonly for the past two years.
- Additional records for bonus, commission, overtime, or other income when needed.
- Tax returns or employment explanations if required for your loan and circumstances.
Self-employed or business income
- Personal and business tax returns when your selected program requires them.
- A current profit-and-loss statement or other business financial records when requested.
- For alternative-documentation programs, the bank statements, 1099s, or other records specified by the lender.
Your Loan Officer will confirm the reporting periods. Not every program uses tax returns; alternative documentation still requires verification.
Retirement, benefits or other income
- Award letters, benefit statements, pension records, or retirement-account information, as applicable.
- Evidence of receipt or access to funds when required.
- For rental income, leases, tax returns, or other records applicable to your program.
You do not have to disclose alimony, child support, or separate maintenance income unless you want it considered for qualification.
Buying a home
- Signed sales contract and any amendments, once you have an accepted offer.
- Evidence of your earnest-money deposit when requested.
- Property and real-estate-agent information.
- Insurance information and any property-specific documents requested by the lender.
Refinancing
- Your current mortgage statement.
- Available homeowners-insurance and property-tax information.
- Information about other liens on the property.
- Other property, income, and asset records requested for your refinancing option.
Additional situations
- For a VA loan, eligibility records such as a Certificate of Eligibility; ask your Loan Officer about obtaining it.
- Bankruptcy, divorce, name-change, or other legal records only when relevant and requested.
- Residency or immigration documentation when applicable to the program.
Your lender may accept approved electronic verification or request updated documents as your file progresses.
Complete, readable, secure.
Include all pages and keep copies. Do not send Social Security numbers, identification, or account statements through an ordinary contact form or unsecured email. Your team may request updated records as your loan progresses.
Let’s make your next step clear.
Not sure which documents you need? Talk with an FHL mortgage broker about your situation.
This checklist is a general starting point, not a complete list of lender requirements or a commitment to lend. Your mortgage broker will provide specific details based on your individual profile. Selecting a category does not submit documents or confirm lender acceptance.