What Documents Do I Need to Get a Mortgage?

Getting a mortgage usually means a lot of paperwork. Here are the documents you should have ready when you're looking for a lender. 

Work related

  • Current pay stubs: Your lender needs to verify your income so they will have a good idea how much house you can afford. Use our handy calculator to make sure you already know how much house you can afford when you start house hunting.
  • Letter from your potential employer: If you've recently started a new job and haven't gotten paid yet, your lender might ask for a letter from your employer (or potential employer) verifying that you do work for them, the amount you'll be paid, and when you'll start receiving that income. 

Tax related

  • W2s: You'll need to dig up the past two years of W2s for your lender. 
  • Federal tax returns: Your lender will also want to see the past two years of your federal tax returns. 

Personal finances

  • Bank statements: Your lender will need to see your bank statements for the past two months so they have a good idea of whether or not you'll be able to pay your mortgage. 
  • Asset statements: This includes your retirement accounts and any other investments you've made over the years. 
  • Credit report: You won't actually need to bring your credit report to your mortgage lender (they'll pull it on their own), but it's a good idea to take a look at it and make sure your credit is in good shape. If it's not, review some of our articles on building credit that may help you.

Other

  • Drivers license or passport: Your lender will need this so they can verify you are who you say you are.