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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 accounts. 
  • 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 appropriate. 
  • 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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