What to Bring When Applying for a Mortgage  

You will need the following items when you apply for your mortgage loan.  Make sure you did not pack them away for the move!   

• Proof of income: Recent paycheck stubs plus W-2 forms for the past two years.
• List of debts: Account numbers, current balances, monthly payment amounts and creditors' names and addresses.
• Source of cash for down payment and closing costs: Bank statements for the past three months on checking, savings and investment accounts; verification of any loan, benefit or gift you're receiving and a copy of the listing contract, purchase agreement, or a closing statement if a recent home sale is providing the cash.
• Social Security numbers for each borrower.
• Addresses for the past two years and address and name of landlord (if renting).
• Purchase contract signed by all parties.
• Check to cover credit report and appraisal.
• Certificate of eligibility or DD214 discharge papers if applying for a VA loan.