Document Checklist

Full legal name, social security number, and date of birth

Gross income amount, including primary, secondary and part-
time jobs, as well as overtime, bonuses, and commissions, if

Name, address, and phone numbers of all employers over the
last two years

Current expenses, including housing, credit cards, loan
payments, child support, and other obligations

Estimates of annual property taxes, hazard insurance, and any
homeowner association dues on the property

Primary phone number, email address, current and former
residential/mailing addresses over the last two years

Secondary income sources and amounts, including retirement
or veteran’s benefits, disability payments, alimony, child
support, and rental or investment income

Value of each bank account, retirement account, investment
account, and other asset accounts

Address of property being purchased, year built (if known),
estimated down payment amount, and purchase price


Your home mortgage expert will ask you to provide some or all of the documents listed below. Be prepared to provide additional documents as your application moves
further along in the process.

Income / Employment / Assets

IRS Form 4506-T — Request for Tax Transcript, completed,
signed, and dated

W-2 forms for the past two years

Written explanation if employed less than two years or
employment gap exists within the last two years

Paystubs for all jobs and applicants, covering the last 30 days
with year-to-date information included

Federal tax returns (1040s) for the past two years

Asset / Bank statements with all pages — Most recent two
month statements for all accounts listed on the application


Credit explanation letter for late payments, collections,
judgments, or other derogatory items existing in credit history

Judicial decree or court order for each obligation due to legal
action (example: lawsuit, judgment, child support)

Payment history for public utilities, phone company, cable, car
insurance, and other expenses

Documentation for any large deposits on asset statements
(outside of payroll or gift fund deposits)

Bankruptcy / Discharge papers for any bankruptcies existing in
credit history

If Self-Employed

List of all business debts

Federal tax returns (personal as well as business returns) with all
pages for the last 3 years

Year-to-date profit and loss statement


Driver’s license and social security card

Gift letter explaining gift funds (if applicable)

Hazard (Homeowner’s) insurance information, including agent’s
name and phone number

Purchase contract signed by all parties (fully executed)