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Must common Documents of Your Mortgage Application

When looking to qualify for a mortgage, typically, a lender need to review four areas of your mortgage application:

  • Income

  • Credit

  • Down payment

  • Property


And the most common documents to prove that are:

For all the Applicants

1. Letter of Employment

2. Pay Stubs, the 2 most recent

3. T4 of the 2 previous years

4. T1 General of the 2 previous years

5. Notice of Assessments of the 2 previous years

6. Credit Report Equifax, full report

When applicant is Self-employment

1. Financial Statements

2. Commercial Licence

3. Articles of incorporation, in case of companies

When the Applicant is Borrowing Against Home Equity

(Refinance, HELOC or Reverse Mortgage)

1. Last Statement of your Property

2. Property Tax Bill

3. Mortgage Commitment

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What Is a Mortgage?

The term mortgage refers to a loan used to purchase or maintain a home, land, or other types of real estate. The borrower agrees to pay the lender over time, typically in a series of regular payments


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