Documents Needed

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What documents will I need to apply for a mortgage

Each loan product has it’s own specific requirements. You will find a general list below:

For all borrowers listed on application:

  • Recent pay stubs
  • W-2 forms from the past two years
  • If self-employed:
    • Year-to-date profit and loss statement
    • Documents to show unpaid accounts receivable
  • 1099 forms from past two years
  • Bank statements for all your checking and savings accounts
  • Statements for all investment accounts, including:
    • 401(k)s
    • IRAs
    • CDs
    • Brokerage accounts
  • Accumulated cash value from life insurance, if applicable
  • Down payment gift letters, if applicable
  • Alimony and child support, if applicable
  • If you have income from a rental property:
    • Documentation of rental income
    • Copy of lease
    • Property appraisal report
  • The company name, account type, account number, unpaid balance and monthly payment for all liabilities, which include:
    • Credit cards
    • Student loans
    • Personal loans
    • Auto loans
    • Medical bills
  • Any paperwork that documents monthly child support or alimony you provide
  • Proof of monthly job-related expenses, if applicable
  • Copy of your driver’s license
  • Copy of your Social Security card
  • Rental history, including contact information for previous landlords
  • Immigration paperwork, if applicable
  • If you own another property, you’ll need to provide the:
    • Address
    • Property value
    • Status of property
    • Intended occupancy (the purpose of the property, such as a second home, rental property or investment property)
    • Monthly expenses related to property
  • If you own a property with an outstanding mortgage, you’ll also need to provide the:
    • Lender name and account number
    • Type of loan
    • Monthly payment amount
    • Unpaid balance on the loan
    • Credit limit, if applicable

Each loan application is unique and requires our Mortgage Loan Originator to coach you to provide the specific documents that are unique to your situation.

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KeySavings Bank is a mutual bank....meaning that all of our clients are members. Members enjoy the benefits of reduced fees, lower interest rates on loans and more investment opportunities.