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:

  • Paycheck stubs for the past 30 days
  • W-2 forms for the past 2 years
  • Completed tax returns for the past 2 years
  • Signed copy of IRS Form 4506-T
  • Bank and investment statements for current assets
  • A list of income sources
  • Records of monthly debt payments
  • The estimated value of your home, if applicable
  • Rental property income, if applicable
  • Gift letter with a canceled check and corresponding bank statement, if applicable
  • Profit-and-loss statement (for self-employed applicants)

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.