[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-284793-105":53,"doc-detail-284793-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","mortgage-document-checklist-borrower-requirements","Mortgage Document Checklist - Borrower Requirements","","This comprehensive document serves as a structured checklist for individuals applying for a mortgage, detailing the essential financial and legal documentation required to process a loan application. It covers four primary categories of evidence: income verification, which includes tax returns, W-2 forms, and paycheck stubs; self-employed income verification, incorporating business tax returns and profit-loss statements; asset documentation, specifying requirements for bank statements, retirement accounts, and gift letters; and additional legal obligations such as identification, court decrees, and insurance information. The guide ensures that borrowers provide complete and verified information, including transaction histories for all pages of bank statements and proof of fund transfers, to facilitate a smooth underwriting process for the financial institution, Dart Bank. By outlining these mandatory requirements, the checklist helps applicants organize their paperwork efficiently to meet standard lending criteria.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/mortgage-document-checklist-borrower-requirements/284793/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/mortgage-document-checklist-borrower-requirements/284793.png","ImageObject",442,249,{"name":88,"@type":89},"Mali","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-23","2026-09-17",true,{"@type":98,"interactionType":99,"userInteractionCount":8},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What documentation is required for asset verification?","Question",{"text":108,"@type":109},"Applicants must provide the last two months of asset statements for all funds used to close or for reserves, including all pages regardless of blank status. Additionally, the most recent statements for 401K, IRA, and investment accounts are required.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What specific documents are needed if the applicant is self-employed?",{"text":113,"@type":109},"Self-employed applicants must provide K-1s for business income, two years of business tax returns if ownership exceeds 25%, a profit and loss statement, proof of business existence, previous 1099s, and a business license or a CPA letter.",{"name":115,"@type":106,"acceptedAnswer":116},"What is required if an applicant receives a gift for closing funds?",{"text":117,"@type":109},"Applicants must provide a gift letter signed by all involved parties, a copy of the donor's bank statement showing the capacity to provide the gift, and documented proof of the fund transfer, such as a wire confirmation or a canceled check accompanied by a deposit receipt.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},284793,1790115649,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":8,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":4},2336475104362,"https://ap-avatar.wpscdn.com/avatar/22000c4c46a41b752dd?x-image-process=image/resize,m_fixed,w_180,h_180&k=1786595829695023868","MORTGAGE DOCUMENT CHECKLIST  \nINCOME  \n□ Last 2 years Federal tax returns  \n□ Copy of Extension, if applicable  \n□ Last 2 years W-2s  \n□ Paycheck stubs covering the last full 30 days  \n□ Benefit award letter and last 2 years 1099’s, if retired  \n□ Rental income-provide mortgage statement and leases  \nSELF-EMPLOYED INCOME  \n□ K-1’s for any business showing on Schedule E  \n□ 2 years business returns if more than 25% ownership  \n□ P&L for any self-employment income/loss  \n□ Proof of business for schedule C self-employment  \n□ Previous 1099  \n□ Business license or CPA letter  \nASSETS  \n□ Last 2 months asset statement(s) for any asset being used for funds to close or reserves. All pages- if it says page 1 of 6, then provide page 6, even if blank transaction history is not acceptable  \n□ Most recent statement for 401K, Mutual Fund, IRA, and/or investment accounts  \n□ If funds are coming from a gift, then the following is required  \no Gift letter signed by all parties ( we will provide the form)  \no Copy of donor’s bank statement showing ability to give gift. Proof of transfer of funds in the form of a wire confirmation or donor’s canceled check, and proof of deposit into your account  \n□ If funds are coming from the sale of a home, the fully executed Closing Disclosure will be required  \nADDITIONAL DOCUMENTS  \n□ Copy of current picture identification for each applicant, front and back  \n□ If you have obligations due to legal actions ( i.e.: child support) bring in judicial decree  \n□ Complete bankruptcy filing and discharge documents if less than 7 years since discharge  \n□ Copy of any current mortgage statements and property tax bills from all properties owned  \n□ Name and number of homeowners insurance agent and/or Homeowner’s insurance policy with paid receipt for one year; or existing policies must be in effect for a minimum of 90 days from the date of funding of this loan","cbCaisO6zLMgsVSu","https://ap.wps.com/l/cbCaisO6zLMgsVSu","pdf",136116,"English","# Income Documentation\n## Self-Employed Income Requirements\n# Asset Verification\n## Gift Funds and Property Sale Proceeds\n# Additional Mandatory Documents","[{\"question\":\"What documentation is required for asset verification?\",\"answer\":\"Applicants must provide the last two months of asset statements for all funds used to close or for reserves, including all pages regardless of blank status. Additionally, the most recent statements for 401K, IRA, and investment accounts are required.\"},{\"question\":\"What specific documents are needed if the applicant is self-employed?\",\"answer\":\"Self-employed applicants must provide K-1s for business income, two years of business tax returns if ownership exceeds 25%, a profit and loss statement, proof of business existence, previous 1099s, and a business license or a CPA letter.\"},{\"question\":\"What is required if an applicant receives a gift for closing funds?\",\"answer\":\"Applicants must provide a gift letter signed by all involved parties, a copy of the donor's bank statement showing the capacity to provide the gift, and documented proof of the fund transfer, such as a wire confirmation or a canceled check accompanied by a deposit receipt.\"}]","Mortgage Document Checklist - Borrower Requirements | PDF",1789629184]