Getting ready to apply for a mortgage? Having the right documents on hand can help speed up the process and prevent unnecessary back-and-forth. Whether you're buying your first home or refinancing, this checklist will help you stay organized and prepared. Gather the items below before you apply so your lender has everything needed to move things forward smoothly.
Mortgage Checklist
- Social Security number
- Recent pay stubs or, if self-employed, your tax returns for the past two years
- Bank statements for the past two months Investment account statements for the past two months
- Life insurance policy
- Retirement account statements for the past two months
- Make and model of vehicles you own and their resale value
- Credit card account information
- Auto loan account information
- Personal loan account information
- If you currently own real estate
- Mortgage account information
- Home insurance policy information
Home equity account information (if applicable)
Having this information ready upfront not only helps keep your loan on track—it also gives you peace of mind throughout the process. If you're unsure about any items on the list or need help locating something, don’t hesitate to reach out to your loan officer. The more complete your file, the faster you’ll be on your way to closing day.
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