Mortgage Checklist

Our goal is to make every transaction as smooth and stress-free as possible for our borrowers. To help us accomplish that, we ask that you gather some documents in advance so that we have everything we need to create the best financing solution for you.

Here is a list of documents you we ask you to provide to get pre-approved for a loan. This list is a guide, and depending on what kind of loan you are applying for, you may require different documents, or only some of these documents. Reach out to one of our loan officers to find out more.

W-2/Salaried Employees

  • Last two years Federal tax returns with all schedules and pages
  • Last two years W-2s and 1099s
  • Last 30 days of pay stubs
  • Last two months of personal bank statements for all accounts (all pages including blank pages)
  • Last two months of statements for all pension, securities, investment, 401ks, etc.
  • Legible copy of driver’s license and Social Security card
  • Most recent mortgage statement (for all properties owned)
  • Most recent property insurance and tax bills (for all properties owned)
  • Current title insurance property (for subject property if refinancing)
  • Proof of Social Security Income, child support and/or alimony payments (if applicable)

Self-employed Borrowers

  • Last two years personal Federal tax returns with all schedules and pages
  • K-1s and 1120s for all businesses owned for the last two years (25% ownership or more)
  • CPA letter verifying self-employment
  • Copy of business license (if applicable)
  • Last two months of personal bank statements for all accounts (all pages including blank pages)
  • Last two months of statements for all pension, securities, investment, 401ks, etc.
  • Copy of driver’s license and Social Security card
  • Most recent mortgage statement (for all properties owned)
  • Most recent property insurance and tax bills (for all properties owned)
  • Current title insurance property (for subject property if refinancing)
  • Proof of Social Security Income, child support and/or alimony payments (if applicable)

Retired Borrowers

  • Last two Federal tax returns with all schedules and pages
  • Last two years of 1099’s (all)
  • Last social security awards letter
  • Pension awards letter
  • Last two months of personal bank statements for accounts into which the pension and SSI is direct deposited (all pages including blank pages)
  • Last two months of personal bank statements for all other accounts (all pages including blank pages)
  • Last two months of statements for all pension, securities, investment, 401ks, etc.
  • Copy of driver’s license and SS card
  • Most recent mortgage statement (for all properties owned)
  • Most recent property insurance and tax bills (for all properties owned)
  • Current title insurance property (for subject property if refinancing)

To learn more, contact our Cliffco Mortgage Bankers loan specialists at (516) 231-1654 or email info@cliffcomortgage.com. Each one of our licensed experts can help answer any questions you might have, guiding you every step of the way through the loan process. Cliffco Mortgage Bankers are licensed in New York, New Jersey, Pennsylvania, Connecticut, Florida, Texas and the US Virgin Islands. We look forward to hearing from you!