Loan Checklist for a Mortgage

Photo of a woman sitting on the ground with a laptop on her lap. She is looking over to her side where graphics are displayed that represent the loan checklist.

In an effort to prepare for your loan application appointment, below is a checklist of documentations that your loan officer may request.

Now, let’s dive into the loan checklist!


  • Current photo identification (driver’s license or ID card) for each borrower
  • Social security card
  • Resident alien card


  • Current pay stubs (1 full month)
  • W2s/1099s (last 2 years) and names and addresses of each employer
  • Evidence of social security/retirement income (i.e. copy of check or award letter)
  • Federal tax returns, with all schedules/attachments (last 2 years)
  • Partnership/corporate tax returns (last 2 years)
  • Signed year-to-date profit and loss statement
  • K1s for all partnerships
  • Evidence of child support income (i.e. 12 months cancelled checks)
  • Rental agreements on all rental properties


  • Bank statements, all pages (last 2 to 3 months)
  • Money market statements (last 2 to 3 months)
  • 401k statements
  • Original gift letter
  • Copy of transfer of gift funds to escrow or your bank account (ask us first)
  • Verification of donor’s ability to give gift funds (i.e. bank statement)
  • Copy of current mortgage Note (refinance only)
  • Declaration page from current hazard
  • Insurance policy or preferred insurance provider


  • Landlord addresses (last 2 years)
  • Complete divorce settlement document
  • Complete bankruptcy papers
  • Explanation of derogatory credit