Streamline the mortgage application process with this helpful checklist.

You can streamline the process of applying for a mortgage by collecting, in advance, all the information you’ll need.

Getting started

To start your mortgage application process, be sure to have the following information:

  • Full name
  • Social Security number
  • Income
  • Property address for the property you are purchasing or refinancing
  • Estimated value of the property
  • Mortgage loan amount being requested

Documents you need

There will be a number of documents that you’ll need to provide during the application process. For each applicant, you will need:

  • The last 2 months of bank statements showing the source of down payment.
  • W-2 forms for the previous two years and a recent paycheck stub(s) (covering a 30 day pay period) reflecting year to date earnings.
  • If divorced, please provide copies of recorded divorce decree/child support order.
  • If self-employed, borrowers must provide complete tax returns with all appropriate schedules for the previous two years along with year-to-date profit and loss.

If you’re refinancing an existing mortgage, please also bring your most recent mortgage loan statement, your most recent homeowner’s insurance policy, and real estate tax bill.

Next steps

After you have submitted your mortgage loan application, your Mortgage Loan Officer will contact you to discuss the loan terms. You will receive a loan estimate and other disclosures for review. Once you have provided your intent to proceed, your Mortgage Loan Officer will request documentation to validate your income, assets and liabilities.