Checklist: Essential Mortgage Documents

Gather these important documents before you visit your lender.

Detail-Quicken Mortgage

Photo by: Eric Perry © 2013, Scripps Networks, LLC. All Rights Reserved

Eric Perry, 2013, Scripps Networks, LLC. All Rights Reserved

By: Tara-Nicholle Nelson

Related To:

Personal Information

  • Full name of all persons applying for the loan along with their social security cards (the original blue card - not a copy)
  • Your home address, including zip code, for the last 24 months and the names and addresses of landlords and/or mortgage lenders

Employment Information

  • Name and complete address of employers (for all applicants) for the last 24 months
  • Last two years' W-2 forms for all applicants
  • Most recent pay stubs covering one full month and year-to-date info for all applicants
  • Verification of any other income to be used for qualification purposes;
  • If any applicant is self-employed, bring copies of your current profit and loss statement, a current balance sheet, and Income Tax Returns for the past two years, both personal and business.

Financial Information

  • A list of account numbers, current balances, and complete bank/credit union addresses for all checking and/or savings accounts
  • Copies of your last two months' checking and savings account statements
  • Copies of most recent investment and retirement account statements, if applicable
  • If any buyer is obligated to pay alimony, child support, or separate maintenance, bring a copy of the recorded divorce decree and/or maintenance agreement.
  • If any applicant owns other real estate, please provide a list of all income, copies of all leases and/or rental agreements, names and addresses of all lenders, loan numbers, loan balances, and monthly payments.

Next Up

5 Types of Neighbors and How to Handle Them

You may love your house, but getting stuck with bad neighbors may have you thinking about putting up a for-sale sign. Here are some tips on dealing with rude, sloppy or nosy neighbors, and even those mean ones with spite houses.

Real Estate Survival Guide: Buyer's Checklist

Refer to this 10-step checklist to get you through the homebuying process.

What Foreclosure Means and How to Stop It From Happening

Learn about the various steps in the foreclosure process and ways you can avoid losing your home.

Scheduling Your Relocation

If you can postpone your move, you could save some major cash.

Saving Money While Paying for a Home

You may be financially "exhausted" from saving for your home purchase, but now's actually a great time to keep saving.

Short Sale Rules: What You Need to Know

A short sale occurs when a property is sold for less than what is owed on the mortgage with the lender's approval. Learn the advantages and disadvantages of this type of transaction for the seller and the buyer.

The Skinny on the Short Sale

How to get a short sale when you're facing foreclosure on a house.

Moving Day Tips: How to Pack for a Move

These 10 packing tips will help you move more efficiently and smoothly.

Anti-Checklist: What Not to Do While House Hunting

Searching for a house to buy can be daunting, and most of the homes you see won't be what you're looking for. Get through it efficiently and painlessly by avoiding these common house hunting mistakes.

Anti-Checklist: What Not to Do Until You Close Escrow

Take a list of things to avoid before you close on your new house.

Go Shopping

Get product recommendations from HGTV editors, plus can’t-miss sales and deals.

On TV

Down Home Fab

1pm | 12c

House Hunters

5:30pm | 4:30c

House Hunters

6:30pm | 5:30c

House Hunters

7:30pm | 6:30c
On Tonight
On Tonight

House Hunters

8pm | 7c

House Hunters

8:30pm | 7:30c

House Hunters

9:30pm | 8:30c

House Hunters

10pm | 9c

House Hunters

10:30pm | 9:30c

House Hunters

11pm | 10c

House Hunters

11:30pm | 10:30c

House Hunters

12am | 11c

House Hunters

12:30am | 11:30c

House Hunters

1am | 12c

House Hunters

1:30am | 12:30c

House Hunters

2:30am | 1:30c

House Hunters

3:30am | 2:30c

Follow Us Everywhere

Join the party! Don't miss HGTV in your favorite social media feeds.