4 Things Every Borrower Needs to Know to Get Approved for a Mortgage Loan In Kentucky
Thank you for visiting. I hope you find this website both informative and empowering as you explore your Kentucky mortgage options. My goal is to help you feel confident in selecting the right home loan for mortgage paperwork checklist. The more you can gather up front, the smoother and faster your approval process will be.
Core Documents Required for All Kentucky Mortgage Loans
These are the standard items almost every Kentucky lender will request:
Identity & Residency
Valid government-issued photo ID (driver’s license, state ID)
Social Security card (or acceptable alternative documentation)
Current address history for at least the last two years (rental or ownership)
Income Documentation
Pay stubs – Last 30 days, showing year-to-date income
W-2 forms – Last 2 years from all employers
Tax returns – Last 2 years (1040s), especially if you have bonuses, commissions, overtime, or side income
Documentation for any additional income – Social Security, pension, disability, child support, alimony, rental income, etc.
Asset Documentation
Bank statements – Most recent 2 months for all checking and savings accounts
Statements for retirement accounts – 401(k), IRA, TSP, etc. (if being used for reserves or down payment)
Statements for any investment accounts – stocks, bonds, mutual funds, crypto (if applicable)
Housing History
12 months of rent payment history (canceled checks, bank statements, or ve
