01The checklist
The agent knows what to ask for.
You pick the file type. dossaia generates the exact list of documents, with the rule each one must meet: the period, the number of pages, the validity.
Mortgage loan file · 8 documentsExample
- 01Government-issued photo IDDriver's license or state ID card (front AND back), or US passport (photo page only, no back required); valid, not expired, legible.
- 02Pay stubs, most recent 30 daysConsecutive pay stubs covering the most recent 30 days, in the borrower's name, showing the pay period, gross pay and year-to-date (YTD) earnings.
- 03W-2 forms, last 2 yearsOne W-2 per employer for each of the last 2 tax years, in the borrower's name, legible.
- 04Bank statements, last 2 monthsThe 2 most recent consecutive monthly statements of each account used for the down payment and reserves, all pages (including blank pages), in the borrower's name.
- 05Federal tax returns (Form 1040), last 2 yearsif applicableComplete Form 1040 for each of the last 2 tax years, all pages and schedules. Usually required for self-employed, commission or rental income.
- 061099 forms, last 2 yearsif applicableIf the borrower has 1099 income (contract work, interest, dividends, retirement), one form per payer for each of the last 2 tax years.
- 07Signed purchase agreementif applicableFully executed purchase contract with all pages and addenda (purchase loans only).
- 08Gift letterif applicableIf part of the down payment is a gift: signed letter stating the donor, relationship, amount, and that no repayment is expected.
