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What You Need to Apply for a Mortgage

When you apply for a mortgage, you'll need to provide information about your employment and financial history. Having this information ready ahead of time will help the process move ahead quickly.

Here's a list of everything we'll need for all borrowers on the loan.

Identifying Information

These items will help us confirm your identity and get the mortgage process started.

  • Date of birth
  • Social Security Number
  • Navy Federal Share Savings account number
  • 2-year address history

Proof of Income

We'll verify your income to make sure you're able to pay your home loan back.

  • 2-year work history
  • Gross monthly income to be used for qualifying for a mortgage
  • Any other income to be considered for qualifying

Other Financial Information

Your assets, debts and other liabilities help us understand your overall financial picture.

  • Deposit account and asset information held by financial institutions other than Navy Federal Credit Union to be considered for qualifying
  • Current tax, homeowners/condo dues, insurance and lien information
  • Additional documentation about your income, if you're self-employed

Additional information may be needed based on the type of mortgage you're applying for. VA Loan applicants will need to provide a Certificate of Eligibility.

Property Information

You'll also need to provide the following information about the property you wish to purchase.

  • Purchase price
  • Loan amount
  • Estimated homeowners/condo association dues, on property
  • Type of property
  • Property address
  • Source of down payment

More About the Mortgage Process