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EMM Document Checklist

When applying for a mortgage, your Mortgage Loan Originator may ask you to provide all or some of the information below. Having this information handy will help speed along the mortgage process. 

Identity and Income Verification

  • Full legal name, birthdate, and Social Security number (in certain cases, you may be asked to provide a copy of your social security card)

  • Phone number, email address, and current and former residential mailing addresses over the last two years

  • Primary and secondary income amounts and sources

  • Government-issued photo ID

  • Name, addresses, and phone numbers of all employers over the last two years

  • Values of bank, retirement, investment, and other asset accounts

  • Monthly debt obligations

  • Address of property being purchased, year built, estimated down-payment amount, and purchase price

  • Estimates of annual property taxes, homeowners insurance, and any homeowner association dues

Credit Verification

  • Credit explanation letter for late payments, collections, judgments, or other derogatory items in credit history

  • Source of funds documentation for any large deposits on asset or bank statements

  • Judicial decree or court order for each obligation due to legal action

  • Bankruptcy/discharge papers for any bankruptcies in credit history

  • Payment history for public utilities, phone, cable TV, car insurance, and other expenses

Income/Tax Documents

  • IRS Form 4506-T - Request for tax transcript, completed, signed and dated

  • Pay stubs covering the last 30 days

  • W-2s for the past two years

  • Federal tax returns (1040s) for the past two years

  • Asset/bank statements - Most recent two months' statements for all accounts listed on the application (include all pages of the statement, including ones that are blank)

  • Written explanation if employed less than two years or employment gap exists within the last two years

Income Verification - self-employed

  • Federal tax returns (personal and business) for the past three years

  • Profit and loss statement - year-to-date

  • List of all business debts


  • Homeowners insurance information, including agent's name and phone number

  • Purchase contract signed by all parties

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