Documents List

Purchase Pre-Approval Documents List

Driver’s License

A driver’s license is required to verify your identity and address. Lenders need to ensure they are dealing with the correct individual and that you are a legal resident.

Most Recent Pay Stub

Your most recent pay stub provides proof of current employment and income. Lenders use this to verify your ability to make mortgage payments and to confirm the income you’ve stated on your application.

2 Years W2’s or 2 Year Tax Returns (if self-employed)

These documents show your income history, which lenders use to assess your long-term financial stability. For self-employed individuals, tax returns provide a comprehensive view of your business income and expenses.

60 Day Bank Statements

Bank statements allow lenders to verify your assets, income deposits, and spending habits. They also help identify any large deposits that may need to be sourced and ensure you have sufficient funds for down payment and closing costs.

Refinance Documents List

Driver’s License

As with purchase pre-approval, this is needed to verify your identity and current address.

Most Recent Paystub

This proves your current employment status and income, which is crucial for determining your ability to continue making mortgage payments after refinancing.

2 Years W2 or 2 Year Tax Returns (if self-employed)

These documents provide a historical view of your income, helping lenders assess your financial stability over time.

Homeowner’s Insurance Declaration Page

This document proves that your property is adequately insured, which protects both you and the lender’s investment in the property.

Most Recent Mortgage Note

The mortgage note contains details about your current loan terms. Lenders need this information to compare your existing mortgage with the new refinance offer and to ensure the refinance will benefit you.