Documents You’ll Need

Below is a list of documents most mortgage lenders will ask you for. Some lenders may ask for additional information. It’s important that anyone applying for the loan submit this paperwork. Whether you’re buying a home with your spouse, your sibling, or your best friend, if their name is going on the loan, they’ve got homework to do. And here is the assignment:

Driver’s License(s)

Make a clear copy of each one. It must be completely legible


Most lenders will want to see 30 days worth of paystubs from a recent time frame.


Lenders will ask for this from the past 2 or 3 years. You should include this for all jobs you worked in that time frame (and for each borrower).

Documentation to Verify Additional Income

If you receive additional income from Social Security, child support, alimony, or a pension award, you will need to provide proof.

Social Security Card(s)

Make a clear copy of each one. It must be completely legible.

Tax Forms

Lenders will want to see your tax returns from the past 2 or 3 years. This means the entire thing, all pages and schedules.

Bank Statements

Lenders will ask for this from the past 2 or 3 months. This includes all checking and savings accounts. It also includes any 401K or other stock accounts.

List of Addresses

A list of all the places you’ve lived in the last 7 years.

If You Are Refinancing, You May Also Be Asked For:

Homeowners Insurance Company
The name of the company that currently insures your home.

Recent Water/Sewer Bill

Hardship Letter (if applicable)
Not every lender is interested in this. 1st Alliance is. If you’ve fallen behind on your mortgage or credit accounts, we’d like to know what happened and what you’ve been doing to try to get back on track. Having this information will help us help you. When writing this letter, be sure to include specific details and events. Was there an illness or death of a family member? A job loss? When did this occur? If applicable, please provide documentation. This letter requires a signature and the date signed. [LIVE HOME ADVISOR PAGE (“How Much Home Can I Afford?”)]