Docs needED to apply for your mortgage

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Make the Process Smoother by Getting Organized Early


Applying for a mortgage doesn’t have to feel overwhelming—especially when you know what’s expected up front. Whether you’re buying your first home, moving into something new, or refinancing, having the right documents ready can save you time, stress, and unnecessary delays.



Proof of Identity

Our vision is to be a global leader in promoting positive change and fostering a more sustainable and inclusive future. We aspire to inspire, innovate, and impact, creating a world where opportunity and prosperity are accessible to all.

Proof of Income

This helps lenders understand your ability to repay the loan. Be ready to share:

Pay stubs (usually the last 30 days)
W-2 forms (last two years)
Tax returns (last two years)
Bank statements (last 60–90 days)
Bonus, overtime, or commission documentation (if applicable)
Proof of other income (alimony, child support, rental income, etc.)

Self-employed or freelance? You’ll likely need to provide:
-Two years of tax returns (personal & business)
Year-to-date profit & loss statements
-1099s and business bank statements



 
Employment Verification



 
Asset Statements
/debt info


Lenders often reach out to your employer directly, but you may be asked to provide:
-Employer contact information
-A signed letter from your employer confirming your job status


To confirm you have funds for your down payment, closing costs, and reserves:
-Checking and savings account statements
Retirement account statements (401(k), IRA, etc.)
-Investment account summaries

Lenders need a clear picture of what you owe:
-Documentation for alimony or child support payments (if applicable)
-Monthly statements for credit cards, auto loans, student loans, or other mortgages

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