Mortgage Checklist

When you are ready to get started, here is a comprehensive list to guide you through the mortgage loan application process.

While this list covers most of the documents that a lender might request, it may be customized for your specific situation. Your American Pacific Mortgage loan advisor can give you an individualized picture of the specific documents your loan may need.

List of requested documents:

Financial and income documents

  • Most recent pay stubs covering the last 30 days
  • W-2s for the last two calendar years
  • Two most-recent statements for all checking, savings, CD, money market, and/or securities-brokerage accounts (please include all pages)
  • Most recent statements for all retirement accounts (IRAs, SEP-IRAs, 401-(k)s or 403-(b)s)
  • Most recent statement of stock options, employee stock option purchase plans, and similar if you’re using them as part of the down payment or for closing costs
  • Federal tax returns (1040s) for the last two calendar years; please include complete returns with all schedules filed
  • YTD Profit & Loss Statement if you’re self-employed or an independent contractor
  • All federal K-1s, partnership returns (1065s) and corporate or S-corp. returns (1120s or 1120-Ss) for the last two calendar years

Property documents

  • Mortgage, real estate tax, and insurance premium statements for all properties currently owned
  • Leases on all rental properties you may own, if applicable

Personal documents

  • Complete bankruptcy papers, if applicable
  • Divorce decree and settlement statements, if applicable

Proof of identity

  • State-issued driver’s license or passport showing your date of birth to satisfy Patriot Act requirements
  • If not a U.S. citizen: a resident alien card (front and back); resident alien application or H1B or L1 Visa plus passport as applicable
  • "Jeremy helped me and my husband refinance our home. I strongly recommend him with any and all of your finance inquiries. My husband and I had a great experience refinancing our home."
    Carmen G., Home Owner
  • "Jeremy was really great to work with! He was very responsive to all of my requests and made the entire loan process very easy to understand. I highly recommend Jeremy to anyone looking to buy or refinance."
    Melanie J., Homeowner
  • "Jeremy at American Pacific Mortgage went above and beyond to help my wife and I navigate the mortgage process when buying our new home. Your service was invaluable and we hope to work with you again if we ever purchase another home."
    Cacilie W., Home Owner

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