Your mortgage document checklist

Most loans need just the basics. Your loan officer will tell you if anything else applies to you.

Buying a home

• A government-issued photo ID
• Proof of income for the last 2 years: pay stubs and W-2s
• Your purchase contract, once you have one
• Homeowner’s insurance details, before closing

Refinancing

• A government-issued photo ID
• Proof of income for the last 2 years: pay stubs and W-2s
• Your current mortgage statement
• Your current homeowner’s insurance policy

Other documents that may be needed

• Tax returns for the last 2 years, if you’re self-employed
• Fixed-income or benefit statements (for example Social Security or pension), and any 1099s
• Recent bank statements, if your loan officer asks for them