Lender Checklist: What You Need for a Mortgage


□         W-2 forms — or business tax return forms if you’re self-employed — for the last two or three years for every

person signing the loan.

□         Copies of at least one pay stub for each person signing the loan.

□         Account numbers of all your credit cards and the amounts for any outstanding balances.

□         Copies of two to four months of bank or credit union statements for both checking and savings


□         Lender, loan number, and amount owed on other installment loans, such as student loans and

car loans.

□         Addresses where you’ve lived for the last five to seven years, with names of landlords if


□         Copies of brokerage account statements for two to four months, as well as a list of any other major assets of

value, such as a boat, RV, or stocks or bonds not held in a brokerage account.

□         Copies of your most recent 401(k) or other retirement account statement.

□         Documentation to verify additional income, such as child support or a pension.

□         Copies of personal tax forms for the last two to three years

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