Mortgage Checklist
Table of Contents
Limit
Determine your mortgage limit
Create your expense snapshot - listing all expenses in your current budget
Estimate potential homeowner expenses and include them in your snapshot
Estimate your monthly payments using an online calculator
Calculate your debt-to-income ratio to determine your mortgage limit
Decide how you will make a down payment and how much
Your Credit
Check your credit
Load type
Determine the type of loan that is best for you.
Lender
Choose a lender, or several lenders
Get pre-approved
Paycheck stubs for the last 30 days
One W-2 tax return if you've had your job for over two years, or two if otherwise
Recent credit card statements
Two bank statements over last 90 days
Proof of pensions, retirement, disability, or Social Security
Proof of income from rentals, investments, etc.
Proof of child support or alimony paid/received
Loan information on current home (if you own one)
401K statements
Divorce decree (if applicable)
Get a Good Faith Estimate of fees as a part of your pre-approval.
Rates
Lock in your rates.
Closing
Bring all documentation to the closing.
Download or Print this Mortgage Checklist
Get a printable version of this checklist in your preferred format: PDF, Word, Excel, or print directly from your browser.
Presented by:
Nicole Nichols-West
Stats
Views
43
Views: 43
Uses
6
Uses: 6
Tasks
29
Tasks: 29
Who it's for
This Mortgage Checklist is for anyone who wants a simple, practical way to get things done without missing steps.
- Avoid forgetting - keep all your Mortgage essentials in one place (external memory)
- Save time - start from a proven Mortgage structure instead of a blank page
- Stay on track - track progress, come back later, and keep momentum
- Coordinate with others - share the list and divide responsibilities
- Learn the process - follow the steps in a sensible order, even if it's your first time
How to use it
How to use this Mortgage Checklist
- Save Mortgage Checklist to your free Checklist account so your progress is saved and synced across devices.
- Customize it in the app: remove anything that does not apply, then add your own details for Mortgage (dates, sizes, addresses, notes).
- If others are involved, invite them to collaborate and divide responsibilities.
- Work through the list: check items off as you go, and set reminders for time-sensitive steps.