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What Documents Will I Need to Have Ready?

To learn about your mortgage-readiness and help you choose the best path for reaching your goals, we need to review all of the documents listed below during your first session.

They’re also the documents you’ll need to have ready to apply for a mortgage loan, and gathering them now can make the loan application process much faster. We need this documentation for everyone who will be applying for the loan (for example, you and any partner or family member who is purchasing the house with you).

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3 most recent tax returns (with the W2s or 1099s you submitted), all completed and signed

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3 most recent bank statements (in full) from all accounts

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If you’re not self-employed: 3 most recent paystubs

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If you are self-employed: a year-to-date profit and loss statement.

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If you’ve ever filed for bankruptcy: the bankruptcy discharge letter.

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If you’ve been involved with collections in the last 5 years (to your knowledge): proof that the collection accounts were satisfied.

Gathering these documents can be difficult. If you’re having trouble finding one, try contacting the source. You can order past tax returns from the IRS or through whoever helped you file (for example, an accountant or an online filing tool like TurboTax). For bankruptcy documents, contact the court where your case was heard. For collections information, try the company that sent your information to collections or the collections agency itself.

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NeighborWorks Orange County is a HUD-approved housing counseling and education agency.
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128 East Katella Avenue Suite 200  Orange, CA 92867
714-490-1250  |  info@nwoc.org

NeighborWorks Orange County empowers people and communities to build wealth through home ownership, financial education, and access to affordable homes.

We are a 501(c)(3) tax exempt organization promoting home ownership since 1977.
DRE# 01304167 | NMLS# 318036

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