Well-Prepared


Being well-prepared for your mortgage loan application meeting can take a lot of stress away from the day. It would not do you well to show up with what you assume are the proper documents, only to find out that you’ll need something different to continue the process. This is especially true if you’ve had to take a day off work in order to work on your application.

While every application may have different requirements, here’s a general list to get you started:

  • A state-issued identification card, which can include a driver’s license
  • Proof of income. This could be a check stub or an official bank statement.
  • Your tax returns. The requirements can differ from lender to lender. Some only need the most recent year, while others will need several years. Be sure to ask before your meeting.
  • A completed mortgage application. You can get a paper copy from your potential lender or ask that a digital copy be emailed or faxed to you.
  • You’ll also need proof of all retirement and investment accounts. You can obtain these documents through your employer.
  • Contact information for yourself and for your current employer.
  • Proof of all bank accounts and credit accounts that are currently open.

Be sure to speak with your lender before you start putting together your loan application folder. They may require more information, or less. Just remember that it’s always better to be over-prepared, so bring everything that you think could be relevant to your finances and references.