checklist: preparing your documents | |
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In addition to reviewing your finances, budget, and credit prior to applying for a mortgage loan, prepare for documentation collection. When you apply for a mortgage loan, there are several documents and pieces of information that you may be asked to provide by your mortgage lender. This includes information related to income, assets, debts, and employment. It helps to have documents organized and handy in advance, when possible. Below is a general checklist of items that may requested by your lender.
General Mortgage Loan Borrower Documents Checklist
- Personal identification (state-issued driver’s license, ID card, passport, etc.)
- Paystubs
- W-2s
- Tax returns (usually from the last two years)
- Bank statements (savings, checking, credit card)
- Other loan statements (student, auto, personal, etc.)
- Investment account statements, including retirement
- Current rent or mortgage information
- Gift letter(s), if applicable
- Letter(s) of explanation, if applicable
- Separation or divorce documents, if applicable
- Profit and loss statement, if self-employed
Please note that this checklist is not comprehensive and that many other types of documentation may be requested for various loan types and/or personal circumstances.
Ask your lender early in the process for all the documentation they may require from you so that you can be as prepared as possible. In addition, prior to providing documentation, ensure that your personal information will be received and stored securely by your lender.
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This year, CHFA was proud to participate in 11 Days of Service benefitting Habitat for Humanity. A total of 85 CHFA volunteers contributed more than 500 hours of service to support Habitat for Humanity of Metro Denver, Habitat for Humanity of Mesa County, and Habitat for Humanity of Teller County.
Volunteers built Habitat homes, worked at Habitat ReStore, and helped with home modification needs. Thanks to all of Habitat’s staff and volunteers for their work to bring people together to build homes, communities, and hope.
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Free CHFA webinar
Attend a free, one-hour webinar to learn the steps to homeownership and about CHFA’s homeownership programs.
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Online resources
Learn more about and prepare for homeownership:
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Colorado Housing and Finance Authority
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This eNewsletter may contain links to other websites or third party materials. Links to external or third party websites or materials are provided solely for your convenience. The presence of a link does not imply any endorsement of the third party material, the website, its content or any association with the third party or website's operators by CHFA. Third-party websites or materials may be governed by their own privacy policy and terms of use, and the third party is solely responsible for the content and offerings presented on its website or in its materials. CHFA makes no representation and accepts no responsibility or liability regarding the accuracy, quality, safety, suitability or reliability of any third party material(s), external website or the content or materials of such websites. Use of linked sites is strictly at your own risk. | |
With respect to its programs, services, activities, and employment practices, Colorado Housing and Finance Authority does not discriminate on the basis of race, color, religion, sex, age, national origin, disability, or any other protected classification under federal, state, or local law. Requests for reasonable accommodation, the provision of auxiliary aids, or any complaints alleging violation of this nondiscrimination policy should be directed to the Nondiscrimination Coordinator, 1.800.877.2432, TDD/TTY 800.659.2656, CHFA, 1981 Blake Street, Denver, Colorado 80202-1272, available weekdays 8:00am to 5:00pm. | |
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