We would love to hear from you!

Send us a message and we’ll get right back in touch.

    Main Content

    Financial Documents Your Lender Needs For Your Mortgage Approval

    Financial Documents Your Lender Needs For Your Mortgage Approval

    Mortgage lenders require paperwork that verifies every facet of your financial life: income, debts, assets and more.

    The lender will request the following documents, so gather them before you apply for a mortgage.


    • W-2 forms from the previous two years, if you collect a paycheck
    • Profit and loss statements or 1099 forms for the last two years if you are self-employed
    • Recent paycheck stubs (if you are a W-2 employee)
    • Most recent federal tax return, it is possible they will want the last two tax returns
    • A complete list of your debts: credit cards, student loans, car loans, and child support payments, along with minimum monthly payments and balances.
    • List of assets including bank statements, mutual fund statements, real estate and automobile titles, brokerage statements, and records of other investments and assets.
    • Cancelled checks for your rent or mortgage payments
    • If you are placing the home in a trust, you will need a copy of the trust
    • If retired and receiving social security income, you will need the most recent “award letter”.
    • If you have investment properties and are using rental income as part of your qualification, you will need mortgage statements, insurance, and a copy of the fully executed lease agreement.


    Work With DIGGS

    Ready to find out more? Call or text us at 818.482.1885 email at [email protected] or fill out the form below. We promise, straight talk, no sales talk.
    Skip to content