Before You Upload Your Mortgage Documents

Make sure you’re set up for success from the start. Here’s how to make the process quick and easy:

  • Use our Secure Upload Portal to send documents safely and directly to our team.
  • Avoid screenshots or photos — we need full digital copies (PDFs or scanned images).
  • If your document is numbered (like bank or investment statements), include all pages, even blank ones.
  • Federal tax returns should include every schedule. Be sure to sign and date Page 2 of your 1040s.
  • Submitting all your documents at once helps us keep things moving without delays.

What You’ll Need for Pre-Approval

To kick off your mortgage journey, gather and submit the following:

  • A fully filled-out loan application
  • W-2 forms for the past two years (all borrowers)
  • Full federal tax returns (1040s) with all attachments and schedules – last 2 years
  • 30 days of recent pay stubs (for each borrower)
  • Two months of personal bank statements – full, unaltered copies, no partials
  • Latest monthly or quarterly statements for any financial accounts listed (e.g., retirement, checking, savings)

What May Be Needed for Final Loan Approval

Depending on your situation, we might also need:

  • Homeowner’s insurance declaration page
  • Most recent mortgage statement (if applicable)
  • Photo ID for all borrowers (driver’s license, passport, etc.)
  • If you receive retirement, Social Security, or pension income, please provide:
    • Past 2 years of 1099s
    • Award letters for current year benefits
    • Continuance documentation for pensions or retirement income
  • If you own investment or rental properties, send:
    • Address, market value, loan details (balance & monthly payment)
    • Recent mortgage, insurance, tax, and HOA statements for each
  • We’ll request payment information (debit or credit card) when it’s time to order your appraisal

Are You Self-Employed?

For business owners and independent contractors, we’ll also need:

  • Business tax returns (last two years, all schedules)
  • 1099s for the last two years (if applicable)
  • K-1 forms for any ownership interest reported (if applicable)

VA Loan Requirements

If you’re applying for a VA loan, be sure to gather the following:

  • DD-214 (if you’re no longer active duty)
  • A completed COE Request Form 26-1880 — we’ll guide you through it
  • Statement of service from your commanding officer (if still serving)
  • Your official Certificate of Eligibility (COE) — we can help you retrieve it
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