Mortgage Document Checklist Template

Mortgage workflows break down when document requests are vague. This checklist gives you a reusable structure for pre-approval and underwriting collection.

Copy the sections below into your next request and remove any items that do not apply to that borrower.

Core borrower identity and income documents

• Government-issued photo ID
• Last 30 days of pay stubs
• Last 2 years of W-2s
• Last 2 years of filed tax returns
• Employment verification letter (if required by lender)

Asset and liability documentation

• Last 2 months of bank statements for all funding accounts
• Recent retirement or brokerage account statements (if used for reserves)
• Current mortgage statement (if refinancing or owning property)
• List of monthly debt obligations
• Student loan, auto loan, and credit card statements if requested

Property and transaction documents

• Signed purchase agreement
• Earnest money receipt or proof of deposit
• Homeowners insurance quote or binder
• Gift letter and transfer proof (if gift funds are used)
• Entity documents for trust or LLC purchases (when applicable)

Self-employed borrower add-ons

• 2 years business tax returns
• Year-to-date profit and loss statement
• Year-to-date business balance sheet
• Business license or registration documents
• CPA contact details for verification

Checklist operating notes

• Label each item as the client sees it. Avoid internal shorthand.
• Put high-friction items near the top so clients can start collecting them earlier.
• Enable reminders on time-sensitive files to reduce manual follow-up during active underwriting.

Create a free FileChute request and paste this checklist into your next borrower intake.