Buying · 2 MIN READ
Getting your documents ready
A practical starting checklist for a mortgage conversation.
Income and employment
Be ready to provide recent pay statements, W-2s, and employment information as requested. Self-employed borrowers may need tax returns, business records, and additional income documents. Requirements depend on the program and your circumstances.
Assets and obligations
Gather recent complete statements for accounts you plan to use, along with information about your current debts. Be prepared to document transfers, gifts, and other funds if requested.
Property and identity
The lender may request identity documents, housing history, insurance information, and a purchase contract when applicable. Use the secure application portal for financial documents. David will provide the checklist for your particular application.
Further reading: CFPB: Preparing for a mortgage. Reviewed September 12, 2026. General education; program and lender requirements vary.