Key takeaways
- Organized files accelerate underwriting decisions.
- Digital storage keeps sensitive info secure and accessible.
- Refresh documents regularly so they remain current.
Income verification
Collect two years of W-2s or 1099s plus the most recent 30 days of pay stubs.
Self-employed borrowers should provide full returns and a current year-to-date P&L.
Assets and reserves
Download 60 days of statements for checking, savings, and investment accounts.
Document sources for large deposits so underwriters can clear conditions quickly.
Property and insurance documents
Keep your mortgage statement, insurance declarations, and property tax bills accessible.
For condos or HOAs, gather demand letters or contact info ahead of time.
Action plan
Upload every document into the secure portal, label files clearly, and set reminders to refresh anything older than 60 days.
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