Mortgage checklist: Get your docs in a row
Cornerstone loan officers are here to make homebuying smooth and stress-free. Come prepared with your documents in hand, and you can get your mortgage moving.1
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All borrowers
Valid, unexpired photo ID for each applicant (driver's license, passport, military ID, or visa)
Two most recent months of bank statements, all pages
Two most recent months of brokerage and retirement statements, all pages
Terms of withdrawal for any retirement accounts
Signed purchase contract with all addenda
Documentation for any large deposits not from payroll
Homeowners insurance information if refinancing or agent/company details for new property; your loan officer can help connect you with insurance resources before closing so there are no delays
Copy of earnest money check
Copy of Social Security card
Gift fund documentation if any closing funds are coming from a gift
Salaried borrowers
Most recent 30 days of pay stubs for each income source
W-2, K-1, and/or 1099 forms for the past two years
Two most recent years of federal tax returns with all schedules
Self-employed borrowers
Two most recent years of business federal tax returns with all schedules
Year-to-date profit and loss statement and balance sheet
W-2, K-1, and/or 1099 forms for the past two years
Have questions about your documents?
Your Cornerstone loan officer is only a call or an email away.
Other documents that may be needed
Letters of explanation for any credit inquiries, name variations, or address discrepancies
Bankruptcy, judgment, or foreclosure documentation, if applicable
Documentation for any financial obligations not reflected on your credit report
Co-signed loan documentation if you don’t want that debt counted as yours
Name and contact information for your landlord
School transcripts, if employed less than two years from graduation
Deferred student loan documentation, depending on your loan program
Plans and specifications may be required
Proof of eligible residency and work authorization with evidence of renewal history, if expiring within 12 months
Lease agreements for any rental properties
Most recent mortgage statements for all open mortgages
Most recent tax, insurance, and HOA statements, if not included in mortgage payments
Listing agreement or purchase contract for any property being sold to fund the new loan
Current Social Security award letter, if applicable
Most recent 30 days of pension or retirement income statements, if applicable
Child support or alimony agreement and six months of proof of receipt, if used as income
DD214, if retired or discharged
Statement of Service, if active duty
Monthly childcare amount or letter
Documents ready?
Your loan officer can walk you through it.
