Aside from the application itself, what other documents do you need to apply for a mortgage? Patty Dyer, V.P. of Residential Sales for Union Savings Bank, lists some of the paperwork needed for mortgage applications. Tune in to the video above and continue reading for a helpful mortgage document checklist.

Employment Documents

In order to apply for a mortgage, your lender will need to know more about your earnings. The employment-related paperwork needed for mortgage applications may include:

  • W2s
  • Employment history going back two years
  • Commission and bonuses, if applicable
  • Tax returns, if self-employed

If you need to request any of this information from your current or past employers, be sure to ask ahead of time so your application can move as smoothly as possible.

Assets and Debts

Your lender might request a list of your assets including your checking and savings account balances, retirement accounts and any property you currently own. They may also want to see records of debts such as student loans, credit card debt, current mortgages and others.

Your Application

Of course, your mortgage specialist will need your completed mortgage application to officially begin the process. The other materials can be gathered before you even start looking for a home. Your application and offer letter or contract of sale, however, can only be obtained once you have decided what home you want to buy and are ready to extend an offer.

Remember that every offer is unique and could take more or less time than you expect. Collecting as much of the paperwork needed for mortgage application as possible ahead of time will enable you to place an offer when you are ready and can help your home buying process move along more quickly.

Looking for more advice about purchasing a home? Contact our mortgage team today.



Rachael: Hi Patty.

Patty: Hello Rachael.

Rachael: Thank you for joining us today. You are the Vice President of Residential Sales for Union Savings Bank and you’re going tell us a little about the documentation you need to apply for a mortgage.

Patty: That’s right. In order to apply for a mortgage, we need to know what your earnings are. In order to do that, we are going to either need W2s and pay stubs, perhaps tax returns if you’re self-employed.

It’s not a one size fits all for everyone, so we need to determine, you know, what your income makeup is to determine what it is we need to ask you for in order to verify that income for the pre-qualification.

Rachael: Great, thank you so much for your insight.

Patty: You’re very welcome


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