Documents Needed for a New Mortgage

For your reference, here is a list of the most common documents needed to get a full mortgage application started.

 

Documents Needed for a Purchase

  • Most recent two years’ tax return (all pages please)
  • Most recent two years’  W2s for all borrowers
  • Most recent 30 days’ pay stubs for all borrowers
  • Most recent two month’s bank statements (all pages) for all accounts
  • Most recent quarterly statement for 401k / retirement / portfolio accounts
  • Copy of driver licenses and social security cards for all borrowers (please enlarge for clarity)
  • Copy of your new home ‘purchase agreement/contract’ as well as evidence of your deposit

 

Documents Need for a Refinance

  • Most recent 2 years’ tax returns (all pages please)
  • Most recent 2 years’ W2s for all borrowers
  • Most recent 30 days’ pay stubs for all borrowers
  • Most recent two month’s bank statements (all pages) for all accounts
  • Most recent mortgage statement(s)
  • Most recent quarterly statement for 401k / retirement / portfolio accounts
  • Copy of your current mortgage note (may be found in the paperwork you received when you closed on the original loan)
  • Copy of your current homeowner’s insurance policy ( just the ‘declaration’ page )
  • Copy of driver licenses and social security cards for all borrowers (please enlarge for clarity)

The documents needed for a Streamline refinance or HARP 2 refinance will vary, as most specialty programs will.  Please feel free to contact us for a document list specific to the loan you wish to apply for, and we’ll be happy to help.