checklist covers most of the types of information you and
any co-borrower will need to supply. Some lenders have slightly
different information requirements (see our Special Situations Application Checklist),
so you should ask your lender what to bring to your initial
Security Number and Birth Date
Your social security number and birth date and those of
Your most recent paystub showing year-to-date earnings.
Your W-2 tax forms for the past two years.
The names, addresses, and telephone numbers of your employers
for the past two years.
You will need the account number and current balance of
your checking account, savings account and any other accounts
Current assets such as Individual Retirement Accounts
(IRAs), certificates of deposit, stocks, and bonds. If
you own securities, your lender may require a current
brokerage statement with name of the stock(s), amount
per share, and number of shares owned.
Value of personal property including life insurance face
value, employee retirement accounts, furniture, cars,
collections, and other valuable property.
For each loan, provide the lender with the name and address
of each creditor and include both the monthly payment
and total amount due. Liabilities would include auto loans,
student loans, credit cards, and other installment debt.
and Previous Addresses
If you now own a home you will need the property address,
current market value, mortgage lender name, account number,
current monthly mortgage payment, and outstanding mortgage
balance due. If you rent, you will need the property address,
name and address of the landlord, the current monthly
rent, and previous address/landlords. (You'll only need
to provide information about your former addresses if
you've lived in your current address for less than two
If you have already completed an Agreement to Purchase
on a home, bring along a signed copy of that Agreement,
and any amendments to it, a copy of the listing form for
the property you wish to purchase and the legal description
of property (such as square and lot number), and receipts
for earnest money or down payment deposits toward that
property. If you don't have a signed purchase and sale
agreement, don't apply for a mortgage yet.