Quel est l'objectif de la checklist "Mortgage Application Checklist 🏠" ?

The comprehensive list to build a bulletproof financing file and secure your home loan under the best conditions. Don't let a missing document delay your dream home.

Comment utiliser le modèle "Mortgage Application Checklist 🏠" ?

Vous pouvez démarrer une instance de cette checklist pour l'adapter à vos besoins spécifiques. Elle est composée de plusieurs étapes structurées pour vous guider.

Mortgage Application Checklist 🏠

Paramètres influençant le déroulement de la checklist

Lenders will scrutinize your last 3 months of bank activity. Prepare the ground.

No overdraft fees, no returned payments, and no excessive gambling transactions for the last 90 days.

Estimate your borrowing capacity. Aim for a Debt-to-Income (DTI) ratio below 36-43% including the new mortgage.

Ensure you have the down payment plus closing costs (usually 3-5% of the price) ready in your account.

Must be valid and unexpired. Required for all applicants.

Utility bill (Electricity, Water, Council Tax) dated within the last 3 months.

Essential for verifying income history (W-2s, P60s, or full tax transcripts).

Used by lenders to verify annual bonuses and total year-to-date earnings.

A letter from your employer confirming your position, salary, and length of service.

Profit & Loss statements and Balance Sheets certified by an accountant.

Checking, savings, and investment accounts. All pages must be included, even if blank.

Evidence of where your down payment came from (savings, gift letter, or sale of assets).

Latest statements for auto loans, student loans, or credit card balances.

The official sales contract. This triggers the formal mortgage approval process.

Signed quotes from licensed contractors if you are financing renovations.

Don't just look at the interest rate. Compare the APR, which includes lender fees and closing costs.

Shop around for insurance. Your lender's default option is rarely the cheapest.

Review the terms, interest rate lock-in period, and any outstanding conditions.

Legally, you must receive your Closing Disclosure (CD) at least 3 business days before signing.

Final 'cash to close' funds must be sent to the escrow/title company 24-48h before signing.

Mortgage Application Checklist 🏠

🧠 Profile Preparation (3 months before)

Healthy Bank Statements

Budget & DTI Calculation

Finalize Down Payment

🆔 Personal Records & Current Residency

Passport or Driver's License

Marriage Certificate / Partnership Agreement

Proof of Current Address

Last 2 Years of Tax Returns

💼 Income & Employment Verification

Last 3 Months of Payslips

Year-End Pay Stub (December)

Employment Verification Letter

Last 2-3 Years of Audited Accounts

Business Registration / License Docs

💰 Banking & Assets

Last 3 Months of ALL Bank Statements

Proof of Funds (Source of Wealth)

Current Debt Statements

🏠 Property & Project Details

Signed Purchase Agreement

Detailed Contractor Estimates

Builder's Contract / Reservation Agreement

🏁 Offer & Closing

Compare Loan Estimates (APR)

Arrange Homeowners & Mortgage Insurance

Receive Mortgage Commitment Letter

⏳ Closing Disclosure Review Period

Sign and Return Loan Documents

Request Cashier's Check / Wire Transfer

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