Required Documents

Gathering your documents ahead of time makes the mortgage process faster and smoother. Below is a comprehensive checklist. Not every item applies to every borrower — Rose will tell you exactly what she needs for your specific situation.

Income & Employment

Most recent 2 years W-2s

30 days of recent pay stubs

2 years federal tax returns (1040s with all schedules)

Current employer HR contact for verification

Year-to-date profit & loss statement (self-employed)

2 years business tax returns (self-employed)

12–24 months bank statements (bank statement loan)

1099s (if applicable)

Assets & Accounts

Most recent 2 months checking & savings statements

Investment / brokerage account statements

Retirement account statements (401k, IRA)

Gift letter + proof of transfer (if using gift funds)

Identity & Credit

Government-issued photo ID (driver’s license or passport)

Social Security number

2-year residence history (addresses)

Explanation letter for credit inquiries or derogatory marks

Property & Current Housing

Current mortgage statement (if refinancing)

Home insurance policy / agent contact

HOA contact & monthly fee info (if applicable)

Landlord contact / 12 months rent receipts (if renting)

Purchase agreement / accepted offer (purchase loans)

VA Certificate of Eligibility (VA loans)

Questions about what you need? Contact Rose and she’ll walk you through your specific document requirements in minutes.

Income & Employment

Assets & Accounts

Identity & Credit

Property & Current Housing

Ready to Get Started?