Items needed to Process your Mortgage Application

Last Updated: January 28, 2026

Here’s a generic list of items needed to process your mortgage application (not everything shown is needed).

The Silver Mortgage Application is easy to use. You can complete it on your schedule.

Work on your mortgage application whenever it’s convenient for you.

Your data will still be there when you return without having to start over.

If you want personal assistance, reach out. We’re available to help. Here’s our contact information.

Here’s a sample of the items that you might be asked for after completing the application online:

Personal & Income

Completed and signed/dated Residential Loan Application
Most recent 30 days paystubs
Last 2 years of Personal Tax Returns
(Include all pages and schedules, sign/date copy with filing date)
Most recent 2 years W2s (if in school or a life event during that time, let us know)
Copy of Social Security Benefits statement, Disability statement, or any similar income source
Photocopy of Driver’s License
(If not a US citizen, also provide a copy of Visa/EAD/Green Card)

Self-Employed Borrowers

Most Recent 2 years of Business Tax Returns
(All pages and schedules, including K1s on all Schedule E business interests) and 1099s (if applicable)
Year-to-Date Profit and Loss Statement for Business

Assets

Most recent 60 days (2 months) of bank and asset account statements
(All pages, even if blank)
Most recent statement for Stocks, Bonds, Investment accounts, 401(k), and Mutual Funds

Property & Liabilities

If Buying: Executed Purchase Contract with a copy of the Earnest Money canceled check (both sides)
If Refinancing: Copy of Property Survey and current mortgage statement
Mortgage statement for any existing mortgages
Leases and Contracts on all owned Rental Property
Name and Phone Number for Homeowners Insurance Company and Agent
Name and Phone Number of Apartment Complex or Landlord (if currently renting)

Legal (If Applicable)

All pages of the Divorce Decree, Child Support Agreement, Bankruptcy Filing, and Discharge

Estimated Third-Party Fees (paid by applicant as shown below):

Tri-merged mortgage credit report (actual cost – no markups)
Approximately $95-$145, depending on loan type and number of borrowers); due upon application for loan pricing/underwriting
Appraisal (actual cost – no mark-ups)
(Approximately $595 (+/-) for a conventional mortgage) Due upon receiving acceptable appraisal quotes according to the ‘Home Valuation Code of Conduct Guidelines.’

Get started on your mortgage application at the Silver Mortgage application site.