NMLS #337051

What you need to get ready before applying for a mortgage loan.

In general, the documentation you will need includes:

  • Check for application fee

Property Information (if you already have a contract on a house)

  • Purchase Agreement
  • Copy of legal description and MLS sheet.
  • If you are selling your current home: copy of listing contract
  • If you have sold your current home: copy of settlement statement (HUD-1)

Income & Assets

Pay stubs for the last 30 days

For the past 2 years:
Names and addresses of each employer

Statements for each bank, mutual fund, and/or investment account for the last 3 months
Estimated value of personal property and furniture

If you have made any large deposits to your accounts:
Explanation and source for deposit

If large deposit was a gift:
Signed gift letter (lender can supply)
Copy of gift check
Copy of deposit receipt

If you own more than 25% of a business:
Corporate or partnership tax returns

If self-employed:
Tax returns for the last 3 years (with schedules)
Year-to-Date Profit and Lost Statement prepared by an accountant

If you own rental property:
Tax returns for the last 2 years and current rental agreements

If you are retired:
Pension Award Letter

If you receive Social Security:
Social Security Award Letter

If you are counting child support as income:
Copy of divorce settlement
Copy of 12 months of cancelled child support checks.


Names, addresses, account numbers, balances and monthly payments on all current loans
Explanation of credit report anomalies, including:
Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgements and/or liens
Bankruptcy filed within 7 years (bring a copy of your bankruptcy papers)

VA Loans

Copy of DD Form 214, Report of Separation


  • Photo ID and proof of Social Security number
  • Residence addresses for the past 2 years
  • If applicable, a copy of your divorce decree
  • If you are not a citizen: a copy of the front and back of your green card

Looking for a Mortgage?

Dove Mortgage has been helping people like you find the best loan product and service available. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy and enjoyable process.