Ask a Mortgage Banker: What Kind Of Documents Do I Need To Get A Mortgage?

When it comes to getting approved for a mortgage it’s understood that there are lot of required documents which means a lot of gathering of information for the borrower. We’ve included a list of required documents below, which you will need to provide when getting a mortgage. You can also download a printable version of our loan document checklist here.Personal Information:

• Color copy of driver’s license
• Color copy of social security card

Income Information:

• Copies of most recent paycheck stubs detailing last 30 days
• Social security award letter (if applicable)
• Retirement pay documents
• Copies of bank statements detailing the last 60 days of activity
• Copy of most recent retirement account statement (if used for closing costs or cash reserves)
• Copies of all 1099 s and W-2s from the past 2 years (3 if using KHC or IN housing funding)
• Copies of all federal tax returns with all schedules for the previous 2 years

Residence Information:

• Any address(es) for the last two years
• Copy of previous year property tax bill and homeowner’s insurance policy
• Agent name and contact information for homeowner’s insurance company

Debt Information:

• Information on all outstanding loans and credit cards
• Names and account numbers of creditors
• All monthly payments and account balances

Other Information (if applicable):

• Copy of divorce decree and property settlement agreement Child support documents
• Copy of bankruptcy and final discharge documents Judgment or lien releases

Other documentation may be needed throughout the approval process, if you have any questions about why these things are required, please reach out to your local Stockton Mortgage Banker.