Home Loan Document TIPS and Checklist

Learn more about what home loan document you may need to provide when applying for a mortgage.

Documentation Tips:

Trulend Mortgage will accept legible pictures of single-page documents to use in processing of Conventional, FHA, USDA and VA loans.

Examples are W-2’s, paystubs and legible Driver’s License.

To take pictures of multi-page documents, we recommend the use of a smart phone app such as CamScanner, or any similar app. This app will allow you to take pictures of several pages and “batch” them into a single PDF and be uploaded into our system as a single file.

Please keep in mind, all parts of the page(s) must be completely legible. Also, the full page must be visible/legible as no part of the page may be blocked or not visible. The page(s) cannot be cutoff on any side or edge.

• Home loan documents are not just a formality. Your lender uses the info you provide to determine how much buying power you have to purchase a home.
• To avoid delays, each document should be accurate, complete and the most recent version.
• Include every page of multi-page documents, even if they just state “intentionally left blank.”
• Documents printed from online sources should display the complete URL at the bottom of each page to validate the document’s source.
• Be organized and quick to respond to requests for more documentation or more recent versions

Document Checklist:  (Download PDF version)

1. 1. ❑ Pay stub for the last 30 days
   2. ❑ W-2 forms covering the last two years
   3. ❑ Signed federal tax return, last two years  (both personal and business if applicable)
   4. ❑ Documentation of any other income sources
   5. ❑ Bank statements  (two most recent, include all pages… even if blank)
   6. ❑ Documentation of the source of your down payment: investment or savings account statements showing at least two months history of ownership. If some of the funds were a gift, have the giver sign a statement declaring the funds were a gift.
   7. ❑ Proof of your identity  (typically a drivers’ license or non-driver ID)
   8. ❑ Documentation of name change  (if recent)

1. ❑ Social Security Number  (SSN)
2. ❑ Home Owners Insurance
3. ❑ For existing home purchase, provide purchase agreement and all addendums  (signed by all parties)
4. ❑ Other documents may be required for your mortgage, especially if self-employed or paid commissions
5. ❑ Servicemembers or Veterans wanting to take advantage of the VA’s Home Loan Guarantee Program should obtain a certificate of eligibility from the VA.