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Frequently Asked Questions

What documents do I need to close on a mortgage?

After you apply for a home mortgage, we’ll ask you for a variety of documents in order to prepare your loan for closing. Having these papers ready can dramatically shorten your turnaround time and get you into your new home that much sooner:

  • Income verification, including paycheck stubs and W-2 forms
  • Tax documents for two recent years, including all tax return pages and schedules
  • Bank and investment statements 
  • Current profit-and-loss statements if you run your own business 
  • Proof of rental property income going back two years, if applicable
  • A gift letter from anyone providing cash toward your down payment, stating that the money is a gift rather than a loan

Depending on your situation, you may need to provide other documents as well. A quick talk with our loan professionals can make it clearer, so feel free to call us at 877-672-2265. We’ll help guide you through the home buying process with a minimum of red tape.

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Frequently Asked Questions