As a mortgage broker, one of the most common questions I get from clients is:
“What documents do I need to get started?”

Getting a mortgage can feel overwhelming, especially if you’re a first-time homebuyer. The good news is that being prepared with the right documents can make the process faster, smoother, and a lot less stressful.

Here’s a breakdown of the essential paperwork you’ll need when applying for a mortgage:

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✅ 1. Proof of Identity

To verify who you are, you’ll need:

• A valid government-issued photo ID (driver’s license or passport)

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💼 2. Income Verification

Lenders want to know you have a steady income to cover your mortgage payments. Documents may include:

• Most recent 2 years of W-2s or 1099s (if self-employed or contract worker)
• Pay stub from the past 30 days
• Most recent 2 years of Tax returns (especially if self-employed or have additional income sources)

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🏦 3. Bank Statements

You’ll need to provide recent statements (typically the last 2 months) for all checking, savings, and other asset accounts. This helps verify:

• Your down payment funds
• Closing costs
• Reserve funds (extra cushion after closing)

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📉 4. Debt & Liability Information

Lenders will review your current debt load. You may need to provide:

• Monthly payments for car loans, student loans, credit cards, etc.
• Divorce decree or child support documentation (if applicable)

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📜 5. Employment Verification

Most lenders will contact your employer to confirm:

• Your employment status
• How long you’ve worked there
• Your income

If you’re self-employed, additional documentation like a business license or CPA letter may be required.

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🏠 6. Additional Documentation (When Applicable)

Depending on your situation, you may also need:

• Gift letters (if a family member is helping with your down payment)
• Rental history or landlord contact info
• Bankruptcy or foreclosure documentation (if applicable in your history)
• Business documents (if you’re self employed)

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💡 Pro Tip from Your Mortgage Broker

The more organized you are upfront, the faster we can get you pre-approved and on the path to homeownership. I’m here to walk you through every step and ensure we have everything needed to make your mortgage process smooth and stress-free.

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If you’re thinking about buying a home soon and want to get pre-approved, let’s connect! I’ll guide you through the process and help you get your documents in order so you can move forward with confidence.

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