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Mortgage Application Checklist
Free mortgage application checklist template for organizing the documents a lender typically requires before applying for a home loan.
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This free mortgage application checklist covers Income Verification, Assets, Debts, Identification, Property Information (if under contract) — built for small businesses and individuals documenting a loan or expense putting financial terms in writing so both sides have a clear, shared record. Copy it into your own word processor, fill in the placeholders, and review it — or adapt it — before use. It's part of docstoc's free document template library, alongside business, legal, real estate, finance, and HR templates. Every template here is free to copy with no signup required, and each one carries a plain disclaimer: this is a starting point for informational purposes, not a substitute for advice from a licensed professional in your jurisdiction.
Mortgage Application Checklist
Income Verification
[ ] Last 2 years of tax returns [ ] Last 2-3 pay stubs [ ] W-2s or 1099s for the last 2 years [ ] [If self-employed: profit & loss statement, business tax returns]
Assets
[ ] Last 2-3 months of bank statements (all accounts) [ ] Investment/retirement account statements [ ] Gift letter (if using gifted funds for down payment)
Debts
[ ] List of current debts (auto loans, student loans, credit cards) [ ] Statements for existing mortgages, if any
Identification
[ ] Government-issued photo ID [ ] Social Security number
Property Information (if under contract)
[ ] Signed purchase agreement [ ] Property address and details
Additional (as requested by lender)
[ ] Explanation letters for any credit inquiries or large deposits [ ] Divorce decree / child support documentation, if applicable
*Gathering everything on this list BEFORE applying (not scrambling after the lender asks) is what actually speeds up mortgage approval — most delays come from back-and-forth document requests, not the underwriting itself.*
Edit directly in the box above. Download PDF anytime — the docstoc.io footer is always included and cannot be removed.
What's included
- Edit online — click the document, fill in placeholders, download a PDF
- 6 standard sections: Income Verification, Assets, Debts, Identification, Property Information (if under contract), Additional (as requested by lender)
- Clearly marked [placeholder] fields for quick personalizing
- Free to use — no account or signup required
- Fully editable — adjust any clause to match your actual situation
- Fixed docstoc.io footer on every PDF (not removable)
Who this template is for
Freelancers & solo founders
Handling routine business paperwork without commissioning custom legal drafting for every document.
Small businesses
Standardizing recurring documents — leases, agreements, notices — across a growing operation.
Anyone reviewing before signing
Using a clear starting structure to understand what a document should cover, even if a lawyer finalizes it.
Informal lending & reimbursements
Money changing hands between people or a business and its team, without a bank's paperwork.
FAQ
Is this mortgage application checklist template really free?
Yes. Like every template in docstoc's library, this mortgage application checklist is free to use, with no account or signup needed to view, edit, or download it.
What does this mortgage application checklist cover?
This finance template includes Income Verification, Assets, Debts, Identification. Fill in the [bracketed] placeholders, edit any clause online, then download a PDF — the docstoc.io footer stays on every export.
Is this legal advice?
No. This covers the standard structure, not the interest-rate limits, disclosure requirements, or tax implications that can apply depending on your state and the amount involved. Check those specifics with an accountant or financial attorney before you rely on it.
Can I edit the wording?
Yes. Every clause and placeholder is editable right on the page — change what doesn't fit your situation, then download an updated PDF.
Where can I find more free templates like this?
Browse more free finance and related document templates in the docstoc library at /document-templates/.
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