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Mortgage Checklist

The following items and information are typically required when applying for a mortgage loan.  Preparation of these documents in advance will help the process along.

Click here to download and print this checklist.


  • Valid driver’s license
  • Passport (if applicable)
  • W-2 forms for previous two (2) years
  • Two (2) most recent pay stubs or, if self-employed, your tax returns for the past two (2) years
Copy of past two (2) statements if received monthly OR two (2) statements if
received quarterly on the following accounts (if applicable):
  • Checking
  • Savings
  • Money Market
  • Investment Accounts
  • Retirement Accounts
  • Most recent statement of mortgage being refinanced
  • Most current statement of homeowner’s policy showing the premium, coverage and renewal date
  • Most recent statements for other debts being satisfied
  • Abstract of title
  • Survey Map (required for construction loans)
  • Copy of purchase contract on subject property and listing agreement or contract on existing home being sold
  • Copy of your cancelled earnest money checks
  • Listing Agreement of current property (if applicable)
Watertown Savings Bank
111 Clinton Street, Watertown, NY  13601
Office:  (315) 788-7100
Toll Free:  (800) 870-8510
Direct:  (315) 836-8440
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