Resources
Mortgage Document Checklist
Gather these items early so pre-approval and underwriting move faster. Your loan officer may request additional documents based on your income, property, and loan program.
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Required Documents for Your Loan
Tick items off as you collect them. Not every item applies to every file - your loan officer will tell you exactly what to upload for your scenario.
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Identity & Contact
Every borrower on the loan file needs to be identified and reachable.
Income & Employment (W-2)
Standard documentation for salaried and hourly employees.
Self-Employed & 1099 Income
Self-employed borrowers and independent contractors typically provide more history.
Assets & Reserves
Show funds for your down payment, closing costs, and post-closing reserves.
Debts & Credit
Help underwriting understand your full financial picture.
Purchase Loans
Required once you are under contract or ready to make an offer.
Refinance Loans
Documents specific to replacing or restructuring an existing mortgage.
Program & Property-Specific
Additional items that may apply depending on your loan type or property.
Common Underwriting Follow-Up
These are often requested after initial review - having them in mind reduces last-minute delays.