When applying for a home 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*.

Supplying documents to your lender is probably the least exciting part of buying a home, but it's one of the most important steps in the process.
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)
Clear, legible copy of driver’s license
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 your preferred title company
If you’re self-employed, a freelancer, or an independent contractor:
Copy of fully executed sales contract
Copy of business license
1099 statements for the past year
Bank statements from the past two months
Tax returns from the past two years
Most recent 401(k) or other asset statements (if applicable)
Clear, legible copy of driver’s license
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 your 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.
If you have any questions or would like to chat about your homebuying or refinancing options, we'd love to help. Contact your local Loan Originator today.
Contact Security First Financial
Opinions expressed are solely my own and do not express the views of my employer.
*When it comes it comes to refinancing your home loan, you can generally reduce your monthly payment; however, total finance charges may be higher over the life of your mortgage loan.