Documents You Need for a Mortgage



Are you in the market to buy a new house or are you looking to refinance your current loan? Congratulations! Now get ready to do some paperwork.

When applying for a loan, you’re going to need to be ready to provide some paperwork, but the more prepared you are, the easier it will be for you to get into your new home or be able to refinance your current mortgage. Honestly, supplying documents to your lender is probably the least exciting part of buying a home (unless you enjoy doing paperwork and, in that case, we’re not here to judge). Hopefully this condensed guide will help you locate and provide documents to your lender in a timely fashion, so you can get into your new home quicker or enjoy your lower monthly mortgage payments sooner.

To get a mortgage, you’ll need most of these documents to verify your income, employment, assets and debts:

If you’re salaried or earn a wage:

  • Copy of fully executed sales contract

  • W-2s from the past two years

  • Paystubs from the last 30 days

  • Bank Statements from the past two months

  • Tax Returns from the past two years

  • Most recent 401(k) or other asset statements (if applicable)

  • Copy of driver’s license (Clear and legible preferred)

  • Social Security Card

  • Homeowners’ insurance policy and contact information of homeowner’s agent (First time homebuyers, please provide a quote from your agent)

  • Veterans: DD214, LES or NGB22

  • Name of preferred title company

If you’re self-employed, a freelancer or an independent contractor:

  • Copy of fully executed sales contract

  • 1099 statements for the past year

  • Bank statements from past two months

  • Tax returns from past two years

  • Most recent 401(k) or other asset statements (if applicable)

  • Copy of driver’s license (Clear and legible preferred)

  • Social Security Card

  • Homeowners’ insurance policy and contact information of homeowner’s agent (First time homebuyers, please provide a quote from your agent)

  • Veterans: DD214, LES or NGB22

  • Name of preferred title company

With these documents readily available, we’ll be able to process your loan quickly. Remember, mortgages are not one-size-fits-all. There might be some documents listed that we won’t need, and other documents not listed that we’ll need, but that’s why we’re here to help you through the process. Contact us now if you have any questions or if you’d like to chat about your home buying or refinancing options. We’ve got some qualified, pleasant individuals around our office ready to talk to you about mortgages. Seriously, they really like to talk about mortgages.


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Security First Financial is a division of Primary Residential Mortgage, Inc. PRMI NMLS 3094. Branch NMLS ID# 385589. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Colorado – Regulated by the Division of Real Estate, UCCC #987701-016. Arizona – Arizona Department of Financial Institutions 0902614. Massachusetts – Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094.


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