Required Mortgage Documents

Required Document Checklist for Salaried Borrowers


Salaried Borrowers

This checklist has the most common documents we will need for processing your mortgage loan application. While additional information may be required after our preliminary review of your financial records, compiling these documents could help the initial processing of your application go as quickly as possible. Be prepared to provide the following per applicant:

W-2's for the last 2 years.
Two most recent consecutive paystubs, with year-to-date earnings. 
Bank statements for most recent two consecutive months.
Most recent asset and investment account statements, 401k, stocks, income property, and other income source. All pages, including blank pages, and no missing pages.
Letter of explanation for any recent large deposits/withdrawals (if applicable); signed and dated.
Letter of explanation for any derogatory and/or inconsistencies in the credit report (if applicable); signed and dated.
Most recent 2-years Personal Tax Returns (Federal), including all schedules, statements, attached forms and blank pages.  No missing pages; screen shots not permitted.
Letter of explanation for any credit inquiries in the last 90 days; signed and dated.
Property’s current Homeowners' Insurance declaration page, showing premium, coverage amounts, agent’s name, and phone number.

Alimony, child support or separate maintenance income: include only if you are required to pay or using to qualify.


Submitting Your Documents

You may submit your mortgage documents in one of three ways.

1. Send secure email or fax to


2. Email or fax directly to your Loan Officer.

3. Mail to Imaging Department
PO Box 55756
Hayward, CA 94545-9981


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