A Complete Checklist of Documents Needed for a Mortgage

After 35 years in the mortgage world, I've seen one thing trip up homebuyers more than almost anything else: missing paperwork. To set the standard from the start, here’s a quick rundown of what most lenders—myself included—will ask for when you apply for a mortgage. Be prepared with proof of identity, income (think pay stubs and tax returns), assets (such as bank statements), debts, and your credit history. If you’re self-employed or your situation is unique, expect a few more forms. My approach has always been about making the process clear and straightforward, so you can focus on your next move with confidence. Consistency and preparation go a long way toward winning in this game.