What documents should I prepare for a mortgage?

Common requests include identification, recent pay statements, W-2 forms or other income records, and bank statements. Self-employed borrowers may be asked for tax returns, business records or other income documentation. A purchase contract and information about existing debts or real estate may also be needed.

Requirements vary by loan program and lender, and additional documents may be requested during underwriting. Fundsitive LLC helps coordinate the selected lender’s requests. Provide complete, accurate records and use the secure submission method your mortgage professional supplies; avoid sending sensitive documents through unsecured channels.