What Documents Do I Need for a Mortgage?

You will need to provide proof of income, which typically includes your two most recent pay stubs, W-2 forms from the past two years, and federal tax returns. Lenders also require bank statements from the last two to three months to verify your assets and down payment funds. You will need a valid government-issued ID and your Social Security number for the credit check. If you are self-employed, expect to provide additional documentation such as profit and loss statements and possibly a letter from your CPA.