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Documents needed for a Florida mortgage

The documents lenders commonly ask for: identification, income, tax returns, bank statements and down payment proof, plus extras for condo buyers.

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By Global G Home Loans · Published · Updated

By Global G Home Loans · Published · Updated

Short answer

The CFPB's loan application packet lists a pay stub, W-2 forms, signed federal tax returns, the two most recent bank statements, proof of identity and your Social Security number [1]. Requirements vary by lender. A lender or mortgage broker cannot require documents as a condition for giving you a Loan Estimate [2].

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Lenders commonly ask for proof of identity, your Social Security number, a recent pay stub, two years of W-2s and signed federal tax returns, and your two most recent bank statements [1].

The exact list varies by lender and by your situation. You do not need any documents to receive a Loan Estimate [2].

On this page

01

What documents do most lenders ask for?

The CFPB's loan application packet lists these items. Requirements vary by lender, so confirm the list that applies to you.

  • Pay stub for the last 30 days [1].
  • W-2 forms for the last two years [1].
  • Signed federal tax returns for the last two years [1].
  • Documentation of other sources of income [1].
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  • The two most recent bank statements [1].
  • Proof of your identity, typically a driver's license or non-driver ID [1].
  • Your Social Security number [1].
  • Documentation of a name change, if recent [1].
  • A housing counseling or home buyer education certificate, if you have one [1].

02

What do I need to show for my down payment?

The CFPB lists investment or savings account statements showing at least two months of ownership history for the money you will use [1].

If part of the money is a gift, get a signed statement from the giver stating that it was a gift [1].

03

What changes if I am self-employed?

If you are self-employed or have irregular or nonwage income, you may need additional documentation, and requirements vary by lender [1].

Ask each lender early which documents they need.

04

What if I am not a U.S. citizen?

Fannie Mae requires each borrower to have a valid Social Security number or Individual Taxpayer Identification Number (ITIN), in addition to meeting legal residency and documentation requirements, and lenders must confirm each borrower's identity before extending credit [3].

For non-citizen borrowers, Fannie Mae leaves the precise documentation to the lender, which determines status based on the circumstances of the case [4].

05

Are there extra documents for a Florida condo?

Possibly.

Florida requires milestone inspections for condominium buildings of three habitable stories or more, and the association must distribute the inspector-prepared summary to each unit owner [5].

It also requires structural integrity reserve studies for residential condominium buildings of that height, with a copy distributed to unit owners [6].

Ask which of these exist for the building you are considering.

06

How do I put my documents together?

A few habits make the process smoother.

  1. Include every page of multi-page documents, even pages marked intentionally left blank [1].
  2. When you print online documents, make sure the full web address appears at the bottom of each page [1].
  3. Expect to update your packet at least once, because lenders like to see the most recent bank statements and pay stubs [1].
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  1. It is your choice whether and when to let a lender access account information electronically [1].
  2. Ask each lender for its own list and compare answers [7].

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Questions

Frequently asked questions

Do I need documents to get a Loan Estimate?

No. A lender or mortgage broker cannot require you to provide any documents as a condition for giving you a Loan Estimate. You only need to provide your name, income, Social Security number, the property address, an estimate of the home's value and the loan amount [2].

Sources: Can a lender make me provide documents like my W-2 or pay stub in order to give me a Loan Estimate?

How many bank statements will I need?

The CFPB's packet list asks for the two most recent bank statements, and lenders like to see the most recent ones, so expect to update them at least once [1]. Your lender may ask for more.

Sources: Create a loan application packet

My family is giving me money for the down payment. What do I need?

The CFPB says that if part of the money is a gift, you should get a signed statement from the giver stating that it was a gift [1].

Sources: Create a loan application packet

Do I need a Social Security number to apply?

The CFPB's packet list includes your Social Security number [1]. Fannie Mae requires each borrower to have a valid Social Security number or an ITIN [3]. Other programs and lenders can set different rules, so ask.

Sources: Create a loan application packet; B2-2-01, General Borrower Eligibility Requirements (09/03/2025)

What extra documents might a self-employed borrower need?

If you are self-employed or have irregular or nonwage income, you may need additional documentation, and requirements vary by lender [1]. Ask about your income situation when you contact us.

Sources: Create a loan application packet

Sources (7)

  1. Create a loan application packet. Consumer Financial Protection Bureau (CFPB). Gather your personal and financial information; What to know. Accessed .
  2. Can a lender make me provide documents like my W-2 or pay stub in order to give me a Loan Estimate?. Consumer Financial Protection Bureau (CFPB). Accessed .
  3. B2-2-01, General Borrower Eligibility Requirements (09/03/2025). Fannie Mae Selling Guide. Accessed .
  4. B2-2-02, Non-U.S. Citizen Borrower Eligibility Requirements. Fannie Mae Selling Guide. Accessed .
  5. Florida Statutes s. 553.899, Mandatory structural inspections for condominium and cooperative buildings (2025). The Florida Senate. Accessed .
  6. Florida Statutes s. 718.112, Bylaws (2025). The Florida Senate. Subsection (2)(g), structural integrity reserve study; (2)(f)2.a., reserves. Accessed .
  7. Compare: shop for your mortgage. Consumer Financial Protection Bureau (CFPB). Accessed .
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