Enjoy a smoother closing by gathering your paperwork before you apply
Here is a list of documents you and your co-borrowers may need in order to complete your mortgage application. Additional documents may also be needed later in the process.
Pay Stub(s): Your most recent one month
- Your pay stub(s) cannot be more than one month old at the time you submit your application.
|If you get paid||You need to send|
|Every week||Your last five pay stubs|
|Every two weeks||Your last three pay stubs|
|Monthly||Your last pay stub|
Form W-2: Your most recent two years from your employer
- Your W-2 is given to you every year by your employer so you can do your taxes.
- A copy of your W-2 should be attached to your tax return, so you should be able to find it there.
- If you filed electronically, you or your tax preparer should have a copy of your W-2.
Federal Income Tax Returns: Your most recent two years
- Don’t forget to include all pages and schedules. We don’t need copies of your state returns.
- If you filed electronically, you can print a copy from your tax software or ask your tax preparer.
- If you are self-employed or get paid any commissions, your most recent two years of tax returns will need to be signed.
- If you own a business, we will also need the most recent two years of business returns filed for your company (e.g. 1120, 1120S, Schedule K-1 / 1065).
Bank and Investment Statements: Your most recent three months
- Be sure to copy all pages of your statements (front and back). If you don’t receive paper statements, please print your entire online statement.
- Don’t forget to include all of your accounts (checking, savings and investments). Your accounts must show that you have enough money to afford your down payment and several mortgage payments.
- You may need to provide a detailed letter to explain any large deposits or withdrawals.
Home Purchase Contract: Signed by you and the seller
- This indicates that you have found a new home and are ready to move forward with your application.