Having the right documents ready helps your loan move smoothly from application to closing. You may not need every item listed below, but this checklist will give you a clear idea of what lenders typically ask for when you apply for a mortgage or refinance with Heartland Mortgage.
If you’re ever unsure about a document, just ask, our team is happy to help.
Identification
You’ll usually need:
- driver’s license or state ID
- Social Security number
- permanent resident card (if applicable)
Income and Employment
If you are a W-2 employee:
- most recent 30 days of pay stubs
- last 2 years of W-2 forms
- employer name, address, and start date
If you are self-employed or 1099:
- last 2 years of personal tax returns
- last 2 years of business tax returns (if applicable)
- year-to-date profit and loss statement (if available)
- 1099 forms (if applicable)
Other income (if applicable):
- Social Security award letter
- pension or retirement income
- child support or alimony (only if you wish to use it to qualify)
Assets and Bank Statements
Typically requested:
- most recent 1–2 months of bank statements
- most recent retirement or investment account statements
- documentation of any large deposits
If using gift funds:
- gift letter (we will provide a template)
- proof of donor ability to give funds (bank statement)
Current Housing Information
Depending on your situation:
- current mortgage statement (if you own property)
- property tax and insurance information
- full lease agreement (if you rent)
For a Home Purchase
You may also be asked for:
- signed purchase agreement
- realtor and builder contact information
- earnest money deposit receipt
For New Construction:
- builder contract
- change order summaries (if applicable)
- community or lot information
For a Refinance
You may be asked for:
- current mortgage statement
- homeowner’s insurance policy
- copy of note or closing disclosure (if available)
What If I Don’t Have Everything Yet?
That’s okay.
Many buyers start the process without every document in hand. Your loan officer will let you know exactly what is needed for your specific loan program and stage of the process. You can always upload additional items later through our secure portal.
How to Submit Your Documents
You can:
- upload documents through our secure online portal
- take photos of documents using your phone
- email or securely upload PDF files
- or bring copies directly to your loan advisor
Ready To Get Started?
Gather what you can, we’ll help with the rest.
Start your application, upload your documents securely, or contact our team with any questions. We’re here to make the process simple and stress-free.
