Mortgage Document Checklist
The mortgage documents you need to apply.

No two applications for mortgage loans are the same. Your requirements will be different from everyone else based on what product works best for you. As you look over the Mortgage Document Checklist below, relax. You may not need every single document on the list. Talk to your California independent mortgage lender to find out more. 

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No Two Applications are the Same 

Below, you’ll find the complete Mortgage Document Checklist, which will help you to see what you might need for approval or pre-approval 

This list is just a general guideline to help you prepare before applying for a mortgage. For more specific questions about the Mortgage Document Checklist, contact Zachery Adam of GoPrime Mortgage, Inc. 

Full List of Mortgage Documents

Personal Information 

Required Items: 

  • Copy of a current picture ID card: driver’s license or passport 
  • Copy of your permanent resident card or visa (If Applicable) 
  • Copy of your social security card 


Employment Information 

To show proof of earned income, you may need these documents: 

  • Copy of federal personal tax returns, with all attached schedules for the last two years 
  • W2 forms from the last two years 
  • 1099 forms from any contract employment for the last two years 
  • Paystubs from the most recent 30 days for all income received  
  • Contact name and phone number for the Human Resources or other company representative to verify your past and present employment from all employers over the past two years 


Business Information 

If you own your own business, you may need: 

  • Copy of your business license 
  • Year-to-date profit and loss statement for the current year 
  • Copy of federal business tax returns, with all attached schedules for the last two years (for all entities/businesses) 


Other Resources Information: 

If you receive income from other sources, you may need: 

  • Statements from any retirement and savings accounts covering the last 60 days, including all pages (even if blank) 
  • Copy of your bank statements for the last two months (all pages even if blank) 
  • Copy of lease agreements on any investment properties 
  • 1099 forms for any Social Security, disability or pension you received for the last two years 
  • Copy of your Current Social Security Award letters 
  • Copy of your Disability Award letter 


Mortgage Information: 

If you already own a house or if you’re applying for a specific kind of mortgage (such as a VA loan), you may need: 

  • Copy of your cancelled earnest money deposit check (front and back) 
  • Copies of cancelled rent checks from the last 12 consecutive months (front and back), unless you’re renting from a management company 
  • Your landlord or management company’s contact name and phone number 
  • Signed copy of the closing statement of your current home, when it sells (all pages) 
  • VA certificate of eligibility (form DD 214 from the U.S. Department of Veterans Affairs) 
  • Copy of your current mortgage statement, if applicable 
  • Copy of your mortgage note, which you should have received when you closed 
  • Copy of your Tax and Insurance bill 


If Applicable 

  • Student Loan Statements (includes payment/terms/interest rate) 
  • Divorce Decree /Marital Settlement Agreement 
  • Living Trust docs (if property is vested in a Trust) 

If you have additional properties please provide the following items: 

  • Copy of tax bill 
  • Copy of mortgage statement 
  • Copy of Homeowners insurance policy 
  • Copy of lease agreements for any investment properties. 
  • Copy of Homeowners Association Dues   

If you have additional properties please provide the following items:

  • Copy of tax bill
  • Copy of mortgage statement
  • Copy of Homeowners insurance policy
  • Copy of lease agreements for any investment properties.
  • Copy of Homeowners Association Dues

Enjoy a mortgage process built for the modern world.

Borrowers can easily complete a loan application, upload supporting documentation, eSign disclosures, and monitor the status of their loan — in a single, easy-to-use location. Apply Securely Online

The Advantage of an Independent Lender 

An Independent California Mortgage Lender like Zachery Adam does not work for the banks. They underwrite most of their loans in-house. Independent lenders approve — and pre-approve — mortgages throughout California. Here are the top five reasons to talk to an independent California mortgage lender: 


While a bank can offer many financial products for a wide range of customers, independent California mortgage lenders like Zachery only do mortgage loans. Zachery Adam of GoPrime Mortgage, Inc.  has the knowledge and experience to match you with the right mortgage with the best rates and terms for you. 


Independent California mortgage lenders have been around for a long time, surviving the crash and thriving in the new market. GoPrime Mortgage, Inc. was founded in in 2005. It’s a well-established company with the funding to find mortgage loans even for unusual mortgage applications. 


Being independent means independent California mortgage lender Zachery Adam can move faster than big banks to approve mortgages and close loans. GoPrime Mortgage, Inc.  can close in less than 30 days. Our goal is to close on time, every time 


Independent California mortgage lenders like Zachery Adam work directly with you throughout the entire approval process. You’ll be in contact with your lender every step of the way making the entire mortgage approval process much more transparent. 


When it comes to mortgages, a California mortgage lender can outmaneuver banks because they offer more types of loans, such as first-time VA loans and debt consolidation loans. Being a California mortgage lender, we have the expertise to find the right loan for you. 

Zachery loves helping homebuyers! 

Call Zachery Adam at 831-226-1210 or use our online form to send a question about your situation and what you may need. Zachery can answer your questions and narrow down the Mortgage Document Checklist for your situation.  

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“I have had the pleasure of Zachery’s expertise on two loans. A full purchase and later a refinance. During both transactions Zachery not only provided excellent transparency of all the moving parts involved but also came to the table with multiple financial options that were relevant and reasoned against my personal financial aims which he inquired about from the beginning. Zachery’s promptness, attention to detail and willingness to work aggressively behind the scenes to keep everyone involved focused on accurate paperwork, timely follow up and effort resulted in both transactions closing early and no surprises. He has a very calm, friendly, confident demeanor which makes it very easy to work with him. I hold him in very high regard and would unconditionally recommend him for any mortgage needs one might have.”

Closed refinance loan. Temecula, CA