What Documents Do You Need to Apply for a Home Loan?

A Tailored Guide by Mark Hicks, The Seabrooke Group's Home Loan Specialist

One of the most exciting decisions you will ever make is purchasing a home, but when you start to consider the mortgage paperwork, it can become daunting. Our goal at The Seabrooke Group is to make the process easy, stress-free, and open for you. Knowing exactly what you need when you buy a home, whether it's your first or your next, can save you money, time, and stress. I've created this comprehensive guide to assist you in gathering the necessary paperwork so you're ready and one step closer to owning the keys to your ideal home. I've assisted hundreds of buyers in obtaining financing.

Why Having the Right Documents Matters?

Your lender wants a comprehensive picture of your creditworthiness, stability, and financial health when you apply for a house loan. These records aid in calculating your borrowing capacity and the interest rate you will pay. We can get you pre-approved and into your new house more quickly if you are better organized. You can get further information regarding what documents you need to apply for a home loan.

 The Essential Home Loan Document Checklist

1. Proof of Identity

We’ll need to confirm who you are with one of the following:

• Driver’s license or state-issued photo ID

• Social Security card

• Permanent Resident Card (if applicable)

Tip: Make sure your ID isn’t expired. Sounds simple, but it’s a common snag!

2. Proof of Income

Lenders want to ensure you can make your monthly payments. Here's what we typically ask for:

• Last 30 days of pay stubs

• W-2s from the past 2 years

• Tax returns (especially if you're self-employed or have a side hustle)

• Documentation of bonuses, commissions, alimony, or other income sources

At Seabrooke Group, we work with many clients who have multiple income streams, and we’re great at helping you document it all clearly.

3. Employment Verification

We’ll reach out to your employer to confirm:

• Your job titles

• How long you have been employed

• Stability of your employment
  

If you’ve changed jobs recently, don’t worry, we’ll guide you on how to document that.

4. Bank Statements & Assets

To verify your funds for a down payment and closing costs:

• Checking & savings account statements (last 2–3 months)

• Retirement accounts or investment portfolios

• Gift letters (if someone is helping you with funds)

We often help buyers create clear documentation to avoid red flags from “unexplained deposits.”

 5. Debts & Liabilities

Understanding your debt-to-income ratio is key. You may need:

• Monthly statements for credit cards, student loans, car loans

• Child support or alimony documentation

• Any other regular financial obligations
  

Don’t stress if you have debt; we’ll help you determine how it affects your loan eligibility.

 6. Credit History

We’ll pull your credit report with your permission, but you should be ready to:

• Explain any late payments, collections, or credit inquiries

• Provide documentation if you’ve paid off a past debt recently
  

Need to boost your score before applying? Let’s talk strategy; we’re here to help.

7. Property Details (If You’ve Found a Home)

If you're already under contract:

• Purchase agreement

• Home insurance quote

• Real estate listing details

• HOA information, if applicable
  

Still house hunting? We can start the process with a pre-approval using your financial documents.

 8. Special Situations

Every buyer is unique, and we get that. Here's what you may need in special cases:

• Self-employed: Profit & loss statements, 1099s, business license

• VA loan: Certificate of Eligibility (COE)

• Divorced: Divorce decree or separation agreement

• Non-U.S. Citizens: Visa or permanent residency documents
  

We specialize in working with buyers from all walks of life and no question is too small.

Want to Stay Organized? Here's How:

• Create a digital folder with labeled PDFs of all required documents

• Use our secure portal to upload files directly (we’ll send you access!)
  

Ask us for a personalized checklist and we’ll walk you through each step

Final Thoughts from Mark Hicks

At The Seabrooke Group, we know applying for a home loan can feel like a lot, but with the right guide (hi, that's me), it doesn't have to be. Our mission is to empower you with knowledge, support you through every step, and make sure your financing experience is as smooth as your home-buying journey should be. 

Still unsure about where to start?

Let’s schedule a quick call or message me directly for a checklist made just for you.

Ready to Apply or Get Pre-Approved?

Reach out to Mark Hicks at The Seabrooke Group.

We’re local. We’re experienced. And we’re here to help you move forward with confidence.