What documentation will the lender typically require to process my mortgage?

The answer depends upon the quality of your credit and the amount of equity you have in your property. On a typical fully documented mortgage refinancing application (where an applicant is seeking to qualify based on an employee's salary), the lender will require: one month's current pay stubs, W-2's for the prior two years and bank and investment account statements for the prior 2-3 months. If an applicant is self-employed (has a 25% or greater ownership in a business) then additional documentation could be required (i.e. 1040's, 1165's, 1120's, P & L statement).

What Documents Do You Need to Get Approved for a Mortgage?

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