Free checklist · Mortgage
Mortgage application document checklist
What to ask borrowers for when preparing a mortgage application. Use it as-is, print it, or send it as a DocsInOrder checklist.
Identity
- Government photo IDFor every borrower on the application.
Income (employed)
- Recent pay stubsUsually the two most recent.
- Employment letterPosition, start date, salary and whether the job is permanent.
- Notices of assessmentUsually the last two years.
Income (self-employed)
- T1 general returnsUsually the last two years.
- Notices of assessmentShowing no balance owing.
- Business documentsArticles of incorporation or business licence, and financial statements.
Down payment and assets
- Proof of down payment90 days of statements for the account it is in.
- Gift letterIf part of the down payment is a gift from family.
- Bank statementsTo show savings and closing costs.
Property
- Agreement of purchase and saleSigned, with any amendments and waivers.
- MLS listingWith photos and property details.
- Property tax bill or condo documentsFor refinances and condo purchases.
Every lender has its own requirements. Treat this as a starting point and add what the lender asks for.
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