This checklist outlines the key documents required for a home loan application, including income verification, tax records, bank statements, and identification, ensuring a smoother review and approval process.
Documents Required
Prepare your documents in advance to simplify the mortgage process. This checklist keeps you organized, prevents delays, and helps you approach loan approval with clarity and confidence.
Providing copies of your last two most recent pay stubs helps to show proof of income and steady employment. Additional documentation may be needed depending on the content of what you provide and the home loan you're applying for.
Supplying W-2 documentation for the last two years goes towards showing long term employment. Depending on your income history and the size of the loan, you may also have to show additional paperwork.
Along with your W-2s and pay stubs, your tax returns go towards showing proof of income. Your tax returns also show the source of your income. If you're self employed, there may be additional steps required to secure the right loan for you.
Along with two months bank statements, we require statements for the past two months for all accounts, including 401(k), IRA, investment, stock and mutual funds. This information is provided to show current assets and liabilities.
A Valid, government-issued ID proves your identity. Acceptable forms of this ID can include a valid driver's license, military ID or social security card.
Prepare essential documents to stay organized, avoid delays, and ensure smoother loan approval.
Supplemental Documents
Depending on your situation, additional documents may be required. These can include military records, divorce decrees, or other financial paperwork to ensure accurate review and timely loan approval.
A current Leave and Earnings Statement (LES) is required for military buyers applying for VA loans. It verifies income, military status, and eligibility for this specialized loan program.
These documents confirm service history and eligibility for VA loan benefits. Depending on your status, you may need to provide a Certificate of Eligibility, Statement of Service, or DD214.
If applicable, divorce decrees or separation agreements are needed to verify financial obligations. These documents ensure accurate assessment of income, debts, and qualification for loan approval.
Certain loan applications may require further documentation, such as additional identification, financial records, or specific paperwork based on personal circumstances. Your loan officer will guide you through these requirements.
Start Now
Gather required documents and connect with our loan experts. We’ll guide you through every step, making your mortgage process smoother, faster, and more confident.
Whether you're buying your first home or refinancing, Southern Trust Mortgage is here to guide you. With expert support and seamless loan solutions, we make homeownership simple and stress-free.
Southern Trust Mortgage LLC, NMLS #2921 ( www.nmlsconsumeraccess.org ) lends in the following states: District of Columbia – #MLB-2921 | Delaware –#036386 | Maryland | North Carolina – #205483 | Pennsylvania –#94064| South Carolina | Tennessee | West Virginia –#ML-34191 | Virginia – #MC7387 | Florida – MLD #2151; Southern Trust Mortgage, LLC d/b/a Southern Residential Lending in the following states: Georgia –#16579 | New Jersey – Licensed by the N.J. Department of Banking and Insurance. By refinancing a consumer’s existing loan, the consumer’s total finance charges may be higher over the life of the loan.
