Your Mortgage Document Checklist

Please be prepared to provide the following documents to complete your mortgage application. These documents will be required after you receive your Loan Estimate (LE). Use this checklist to collect and submit these items in a timely manner to help keep your financing on schedule. If multiple people will be listed on your new mortgage, please provide these items for each person if applicable. Unless instructed otherwise, all pages for every document must be provided. Documents may be submitted through our DK Xpress mobile app (which has an interactive checklist), our website, email, “snail mail” or in person.

For Informational Purposes Only

IDENTITY

• Driver’s license or state ID, passport, etc.
• Social Security card (FHA loans only)

RESIDENCE

• Previous addresses for the last 2 years and duration of residence at each location
• If currently renting, landlord’s name, email and phone number to verify the last 12 months of rental history

INCOME AND EMPLOYMENT

• Names, addresses and dates of employment for all employers within the last 2 years
• Letter/email explaining any gaps in your employment within the last 2 years
• Pay stubs for the most recent 30 days
• W-2 and/or 1099 forms for the most recent 2 years*
• Personal federal income tax returns for the most recent 2 years* (not required in all cases)
• Business federal income tax returns for the most recent 2 years* (if self-employed)
• Year-to-date profit and loss statement and current balance sheet (if self-employed)
• Award letter and copy of most recent check for retirement, Social Security or disability income

* Some mortgage programs require fewer or more years of documentation.

ASSETS

• Most recent two monthly or quarterly account statements (all pages)
• Bank accounts (checking, savings, money market, etc.)
• Investment accounts (stocks, bonds, mutual funds, 401(k)s, IRAs, etc.)

HOME PURCHASE

• Your and the seller’s real estate agents’ contact information
• Your and the seller’s attorneys’ contact information (if applicable)
• Homeowners insurance quote or insurance agent’s name, phone number and email
• Home purchase contract (final version with all addendums)
• Home sale contract for any recently sold home
• Closing Disclosure (CD) on any recently sold home
• Proof of payment of earnest money (updated bank statement or a daily summary showing 4 digits of account number and earnest money check(s) or wire(s) clearing the account)

HOME REFINANCE

• Copy of your current mortgage note
• Most recent mortgage statement or coupon book
• Most recent property tax bill
• Current homeowners insurance declaration page, including your agent’s name, phone number and email address

MISCELLANEOUS (IF APPLICABLE)

• Condo/townhome association bylaws and contact information
• Complete divorce decree and property settlement agreement
• Complete bankruptcy papers, including discharge
• Names of people who are not on the mortgage application but will be on the title
• Trust documents for a property held in trust
• Copy of note and mortgage on existing secondary financing that will be subordinating