Mortgage Basics
Mortgage Documentation Checklist
At Genesis Home Lending, we believe preparation is the key to a stress-free mortgage experience. This checklist is designed to help you gather everything needed for your application—no surprises, no delays. Think of it as your roadmap to closing day, where each document brings you one step closer to the keys of your new home.
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We've organized everything into clear categories so you know exactly what's needed. Most borrowers find having these documents ready cuts processing time significantly and helps us secure the best possible terms for you.
- Government-Issued
Photo ID Driver's license, passport, or military ID showing current name and address - Proof of Income
Most recent 30 days of pay stubs showing year-to-date earnings - Asset Verification
Complete bank statements for the last 2 months - Tax Documentation
W-2 forms (if applicable) from all employers for the past 2 years
- Complete federal tax returns from the past 2 years (including all schedules)
- K-1 forms, if applicable
- YTD Profit and Loss
- Business Bank Statements, if requested
- Alimony or Child Support Documentation
- Social Security Award Letters
- VA Benefit Statements
- Disability Documentation
- Bankruptcy discharge papers
- lien releases
- 2 year residential history
- 2 year employment history with explanation of any gaps
- All documents must be clear, complete, and legible
- Bank statements must show all pages including account numbers and transaction history
- PDF is the preferred file type to send
- Pictures of computer screens are generally not accepted by underwriters. Scanning documents is the preferred method.
Having these documents prepared in advance helps us move quickly through your application. When you submit your documents, our team will review them immediately and provide any additional guidance needed.
Remember, we are here to help every step of the way. Let's make your homeownership dreams a reality together!