The Process

Documents You Need to Apply for a Mortgage

September 2025 · 4 min read

One of the easiest ways to speed up your mortgage is to have your documents ready before you apply. Most lenders ask for a similar set of items.

Income

Recent pay stubs
W-2s or 1099s from the past two years
Tax returns, especially if you are self-employed
Documentation of other income such as bonuses or rental income

Assets

Recent bank statements
Retirement and investment account statements
A gift letter if any of your funds are a gift

Identity and property

You will also provide a government ID, and once you are under contract, the purchase agreement and details about the property.

Self-employed or have non-traditional income? Tell us early so we can guide you on exactly what to gather.

This article is general education, not financial, legal, or tax advice, and not a commitment to lend. Loan programs, rates, and requirements vary by lender, county, and borrower and can change. Talk with a licensed loan officer about your specific situation.

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