{"id":48614,"date":"2021-02-04T19:28:58","date_gmt":"2021-02-05T03:28:58","guid":{"rendered":"https:\/\/www.movoto.com\/blog\/?p=48614"},"modified":"2024-09-30T13:54:44","modified_gmt":"2024-09-30T20:54:44","slug":"6-documents-you-need-for-a-mortgage-loan","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/6-documents-you-need-for-a-mortgage-loan\/","title":{"rendered":"9 Documents You Need for a Mortgage Loan Application"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">When applying for a mortgage, you need to gather certain information to show identification, <\/span><a href=\"https:\/\/www.movoto.com\/blog\/what-are-acceptable-ways-to-show-proof-of-funds\/\"><span style=\"font-weight: 400;\">proof of funds<\/span><\/a><span style=\"font-weight: 400;\">, and debts. The application process can be tedious, so it\u2019s best to come prepared with a checklist. Gather the following documents and you\u2019ll have everything you need when applying for a home loan.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Documents You Need When Applying for a Home Loan<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">#1 Copy of a Photo ID<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A valid driver\u2019s license or passport are the most commonly accepted forms of id. However, in certain cases, other official forms of id may be accepted.\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">#2 Proof of Social Security Number\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Include at least one of the following in your application:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">U.S. Social Security card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1098 Form with full SSN (including 1098-C, etc.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank, loan, or financial documents with full SSN<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay stub with full SSN<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DD214 with full SSN<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NGB 22 with full SSN<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">W-2 Form with full SSN (including W-2C, W-2G, etc.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SSA-1099 Form with full SSN (including SSA-1099-SM, SSA-1099-R-OP1, etc.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-SSA 1099 Form with full SSN (including 1099-DIV, 1099-MISC, etc.)<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">#3 Last 30 Days of Pay Stubs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Plan to show at least 30 days of pay stubs from your current job, signed by your employer. If you receive bonuses, overtime pay, or commissions, bring corresponding payslips or a W-2 form to show these additions to your salary. Bank statements with income deposits may be accepted.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">#4 Rental Payment History and Landlord Info<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you are renting a home, include proof of payments for your rental property over the past year. You\u2019ll also need to provide your landlord\u2019s contact details.\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">#5 Last 2 Years of W-2 Forms From Your Employer<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To prove your employment status, include W-2 forms from the last one to two years. Check with your employer or the IRS if you don\u2019t have these forms.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">#6 Last 2 Years of Individual Tax Returns<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">What tax documents do you need for a mortgage? All pages and schedules of your last two tax returns should be included in your application. You may need to sign an <\/span><span style=\"font-weight: 400;\">IRS Form 4506-C<\/span><span style=\"font-weight: 400;\">, which allows lenders to access your tax transcript.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">#7 Last 2 Months of Bank Statements\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bank statements from both your checking and savings accounts will need to be presented. These will verify that you can cover your downpayment and closing costs, plus have extra in reserve. Any large deposits will require explanation.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">#8 Credit Report<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In your file of documents for a home loan, include a credit report with your current score. <\/span><span style=\"font-weight: 400;\">Keep in mind that there are different requirements depending on the type of loan you are applying for. For example, a <\/span><a href=\"https:\/\/www.movoto.com\/blog\/conventional-loan-definition-what-is-it-and-is-it-right-for-you\/\"><span style=\"font-weight: 400;\">conventional loan<\/span><\/a><span style=\"font-weight: 400;\"> typically requires a FICO\u00ae score of at least 620 while an <\/span><a href=\"https:\/\/www.movoto.com\/blog\/what-is-an-fha-loan-and-who-can-apply-for-one\/\"><span style=\"font-weight: 400;\">FHA loan<\/span><\/a><span style=\"font-weight: 400;\"> requires a score of at least 500.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">#9 Residence History\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you own a home, include mortgage statements, tax bills, and your homeowner\u2019s insurance in your application.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Miscellaneous<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In addition to the primary documents for a home loan, bring the following, if applicable:\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Last Quarter of Stocks\/Bonds\/Mutual Funds\/401K<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you are planning to use money from retirement or investment accounts, include all the pages of the last three months of these accounts in your application.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Divorce Decree or Court Order Defining Alimony or Child Support\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you are dependent on alimony or child support payments, bring proof that these payments will continue for at least three years after the date of your mortgage application.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Information on Debts and <\/span><span style=\"font-weight: 400;\">Deferred Student Loans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">All debts, including auto, credit card, and student loans will need to be reported in your application. These will easily be identified via your credit report.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Gift Letter<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you are using money that has been gifted from a friend or family member, a <\/span><span style=\"font-weight: 400;\">gift letter<\/span><span style=\"font-weight: 400;\"> is required. This letter should be signed and dated by both parties involved. It should include the following:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gift amount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Date you received the gift<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gift giver\u2019s name, address and phone number\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How you\u2019re related to the gift giver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A statement that repayment is not expected<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Completing Your Application<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now that you know the documents you need when applying for a home loan, either save them online or print physical copies to submit to your lender. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">As you move obtaining your mortgage approval, <\/span><a href=\"https:\/\/www.movoto.com\/blog\/questions-to-ask-when-buying-a-house\/\"><span style=\"font-weight: 400;\">questions to ask in the home buying process<\/span><\/a><span style=\"font-weight: 400;\">, <a href=\"https:\/\/www.movoto.com\/blog\/the-basics-how-much-home-can-i-afford\/\">how much income you need to buy<\/a>, and <a href=\"https:\/\/www.movoto.com\/blog\/how-much-money-for-a-home-down-payment\/\">info about your down payment<\/a> may be of use!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When applying for a mortgage, you need to gather certain information to show identification, proof of funds, and debts. The application process can be tedious, so it\u2019s best to come prepared with a checklist. Gather the following documents and you\u2019ll have everything you need when applying for a home loan. Documents You Need When Applying for a Home Loan #1 Copy of a Photo ID A valid driver\u2019s license or passport are the most commonly accepted forms of id. However, in certain cases, other official forms of id may be accepted.\u00a0\u00a0 #2 Proof of Social Security Number\u00a0 Include at least [&hellip;]<\/p>\n","protected":false},"author":22,"featured_media":48615,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[63],"tags":[190,179,85,178,159],"class_list":["post-48614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-bank-statements","tag-mortgage-application","tag-mortgage-loan","tag-preapproval","tag-taxes","post--single"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>9 Documents You Need for a Mortgage Application<\/title>\n<meta name=\"description\" content=\"Here are the 9 required documents you need when applying for a home loan, plus other miscellaneous paperwork we advise to include. 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