Mortgage Checklist

    Listed below are documents you should provide when applying for a mortgage pre-approval. This list is a guide and, depending on what kind of loan you are applying for, you may require different documents, or only some of these documents.

    W-2/SALARIED EMPLOYEES

    • Last two years Federal tax returns with all schedules and pages
    • Last two years W-2s and 1099s
    • Last 30 days of pay stubs
    • Last two months of personal bank statements for all accounts (all pages including blank pages)
    • Last two months of statements for all pension, securities, investment, 401ks, etc.
    • Legible copy of driver’s license and Social Security card
    • Most recent mortgage statement (for all properties owned)
    • Most recent property insurance and tax bills (for all properties owned)
    • Current title insurance property (for subject property if refinancing)
    • Proof of Social Security Income, child support and/or alimony payments (if applicable)

    SELF-EMPLOYED BORROWERS

    • Last two years personal Federal tax returns with all schedules and pages
    • K-1s and 1120s for all businesses owned for the last two years (25% ownership or more)
    • CPA letter verifying self-employment
    • Copy of business license (if applicable)
    • Last two months of personal bank statements for all accounts (all pages including blank pages)
    • Last two months of statements for all pension, securities, investment, 401ks, etc.
    • Copy of driver’s license and Social Security card
    • Most recent mortgage statement (for all properties owned)
    • Most recent property insurance and tax bills (for all properties owned)
    • Current title insurance property (for subject property if refinancing)
    • Proof of Social Security Income, child support and/or alimony payments (if applicable)

    RETIRED BORROWERS

    • Last two Federal tax returns with all schedules and pages
    • Last two years of 1099’s (all)
    • Last social security awards letter
    • Pension awards letter
    • Last two months of personal bank statements for accounts into which the pension and SSI is direct deposited (all pages including blank pages)
    • Last two months of personal bank statements for all other accounts (all pages including blank pages)
    • Last two months of statements for all pension, securities, investment, 401ks, etc.
    • Copy of driver’s license and SS card
    • Most recent mortgage statement (for all properties owned)
    • Most recent property insurance and tax bills (for all properties owned)
    • Current title insurance property (for subject property if refinancing)

    Click here to download a copy of the checklist.

    To learn more about how to purchase a home, contact Kevin Kalyan at (516) 851-7967 or with the contact form below, we’re here to help you every step of the way!