Mortgage Resources

mortgage checklist

at a glance

Your Mortgage Checklist: Be Prepared

Get ready for your mortgage application with our comprehensive checklist. From income verification to credit documents, find out which paperwork you'll need to make the process smooth and stress-free.

Want to Learn More?

Keep reading down the page for more details, or answer a few quick questions, and we'll have someone call you to assist with your needs.

Documents You'll Need

The following information is everything that is usually required for a smooth loan process:

  • Your Social Security Card and Driver’s License
  • Income Documentation:
    • Salary – Most recent paystub and W-2 or 1099
    • Self-Employed, Rental or Interest income – 2 years most recent Personal AND Business tax returns, must include all schedules and K-1’s (if applicable)
    • Pension and Social Security Income – Award Letter or 1099 AND 2 months most recent bank statements documenting receipt of funds
    • Recipient of Alimony or Child Support – Full documentation of court order and proof of receipt for the past 12 months (bank deposits or cancelled checks)
  • Bank statements for the past two months, must include all pages and be most recent statements available at time of application
  • Investment or Retirement account statements for the past two months, must include all pages and be most recent statement available at time of application
  • Real Estate contract (if purchasing)
  • If obligated to pay Child Support or Alimony – provide full court ordered documentation
  • Bankruptcy – provide full copy of filing and discharge documentation
  • Mortgage account information
  • Home insurance policy information
  • Home equity account information (if applicable)
  • Property Tax Information
    • All of the above documentation plus:
    • Previous year’s W-2 or 1099
    • 1 full month of paystubs
    • DD214 & Certificate of Eligibility (VA only)
    Mortgage specialists

    Find Your Perfect Mortgage with Expert Help

    Not sure which mortgage loan is right for you? Our Mortgage Specialists are here to guide you every step of the way. Contact a local expert to get personalized advice and find the loan that fits your needs. Locate a Mortgage Specialist or call (863) 688-8443 or toll free (855) 915-4663.
    Couple meeting with MIDFLORIDA Mortgage Specialist. They are sitting at desk with documents and a digital tablet presentation.

    Explore More Mortgage Resources

    Find helpful tools and information to guide you through the mortgage process.

    First-time homebuyer

    Curious about the home-buying process? Discover what to expect from your real estate agent, mortgage loan officer, and your own role.
    Read More

    How to get a loan

    Ready to secure your mortgage? Learn all about the loan process from application to funding in our step-by-step guide.
    Read More

    Planning for Homeownership

    Start planning for your future home today with tips and advice on where to start from our mortgage experts.
    Read More