Everything lenders commonly ask for — organized and printable.
If you're originating a loan, you should be asking for this too!
To get a mortgage, most lenders will ask for documents that show who you are, how much you earn,
what assets and debts you have, and — sometimes — rental history or proof of gifted funds.
Use this checklist to collect everything before you apply.
1. Personal information
Identification
Government-issued ID (driver's license or passport).
Social Security number
Needed so the lender can check your credit report.
Address history
Proof of address for the past two years (bills, lease, mail).
Other documents (if applicable)
Examples: divorce decree, certificate of housing counseling, etc.
2. Income & employment
Pay stubs
Most recent pay stubs (usually last 30 days).
W-2 forms
W-2s from the past two years.
Tax returns
Federal returns (last two years). Include schedules and business returns if self-employed.
Other income proof
Documentation for alimony, child support, Social Security benefits, etc.
3. Assets
Bank statements
Checking, savings, and investment statements (last 2–3 months).
Asset statements
Statements for 401(k), IRA, or other investments.
4. Debts & special items
Debt information
List of debts: student loans, car loans, credit card balances, etc.
Gift letter (if applicable)
Signed letter stating funds are a gift, not a loan, if someone is helping with down payment or closing costs.
5. Rental history (if requested)
Landlord information
Name, address, and phone number of your landlord.
Rental payment proof
Evidence of on-time payments (receipts, canceled checks, or bank statements).
Tip: lenders sometimes ask for additional or alternate documents depending on your situation. If self-employed, expect to provide more detailed business paperwork. Keep copies and a secure digital backup.