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Before starting the application process, you will need to gather various forms of paperwork. All mortgage lenders are now required by law to verify your income and financial information before giving you a mortgage loan.

The following is a general list of what you will need to complete a mortgage application:

• Social Security numbers or individual taxpayer identification numbers for all borrowers • Your home addresses for at least the past two years • Current names, account numbers, and balances of checking, savings, money market, retirement, and credit card accounts • The address of your bank branch • Checking and savings account statements for the past three months • Your most recent pay stubs, W-2s, or other proof of employment and income verification • Federal income tax returns for the past two years • Evidence of any other income you receive (child support orders, Social Security award letters) • Balance sheets and tax returns if you are self-employed • Divorce settlement papers if applicable • Information on other consumer debts, such as credit cards, car loans, furniture loans, student loans, and department store credit cards • Gift letters, if you are using gifts from parents, relatives or organizations to help cover the down payment or closing costs; gift letters state that the money you received is a gift and will not have to be repaid • A purchase contract, if you have one for the home you are buying

These documents will help us compare your debt payments against the income and assets you have to pay off the debt.

Fees: A mortgage lender cannot charge you any fees, except a credit report fee, before you receive a Good Faith Estimate and indicate your intent to proceed with the loan.

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