And would you like a pint of blood too?

Getting a mortgage today is a bit paperwork intensive; and that might be an understatement.  But, knowing what you need in advance and having it handy will make your mortgage process go a lot smoother.  It can also speed up the time it takes to close your loan.


Income documents-

  • most recent pay stubs covering 30 days
  • last two years W2 statements or 1099’s
  • last two years tax returns (including all schedules) and business returns (if you are self employed)
    proof of receipt of any alternative income such as alimony, child support, rents, royalties, interest, dividends, loan repayments (check with me or another lender on exactly what is needed but proof of actually receiving the income for at least 3,6, or 12 months & proof you will continue to receive for another 3 years is the minimum needed
  • social security or other retirement awards letters if applicable
Asset documents-
  • last two months bank statements for all accounts (checking, savings, CD’s, money markets) be sure to bring all pages even if they say “this page intentionally left blank” (and be prepared to explain any large deposits – especially if they are cash)
  • last two months statements for all stock, bond and investment accounts
  • most recent 401k, IRA, other retirement account statement & documentation of ability to withdraw funds if using for your down-payment
  • gift letter & proof of gift funds, if applicable
Other documents-
  • proof of identity (driver’s license or passport)
  • divorce decree (if applicable)
  • military orders or DD214 (if applicable)
  • bankruptcy papers; including discharge (if applicable)
  • proof of on-time rental payments for most recent 12 months (in some cases)
  • signed sales contract (once you find a house)
  • cancelled earnest money check (once you find a house)

It may seem like a lot, but don’t fret or pull your hair out over this.  Having it up-front is a lot easier than trying to find these things once you have everything packed up in a moving van. And, your loan officer and their team is always on standby to help you. And no, we would not like a pint of blood 😉

Struggle sand bath

Have any more questions, connect with me on Twitter @chrisellaloans , Medium @chrisellaloans , CyberDust +ChrisElla , Facebook Click here to Connect on Facebook , Instagram CHRISTYSOUKHAMNEUT  (Check out all the places you can find me in one place by CLICKING HERE) or  reach out via email at or online at or by phone at 912.721.9400.

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Christy Soukhamneut, Area Manager

NMLSR#810728, GA LIC#32916, FL LIC#LO13828, SC LIC#MLO-810728, NC LIC# I-I 12550

Georgia Residential Mortgage Licensee

6600 Abercorn St #105, Savannah, GA 31405 NMLSR#827864, GA Lic#58821, NC Lic# L-112550-130, SC Lic# MLB-827864, FL Lic# MLDB2394



WR Starkey Mortgage, LLP, 6101 W. Plano Parkway, Plano, TX 75093 (NMLS#2146) 1-866-599-5510 Copyright©2015 All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify.   Information, rates, and programs are subject to change without prior notice.  All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts.  Other restrictions and limitations may apply.  WR Starkey Mortgage, LLP is required to disclose the following information: Georgia Residential Mortgage Lender Licensee No. 19715, Florida Mortgage Lender License #MLD1043, North Carolina Mortgage Lender License No L-112550, South Carolina Mortgage Lender License No. 2146, NMLS ID# 2146 (


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