A mortgage application makes the whole case to the bank or lender that you are a good credit risk, and that you will repay the home loan as agreed. A few of the points the lender will want to take into consideration include how much money you make, how much you have in hand in case there is an interruption in income, and how you have paid back other debts previously. Much of this information comes from your credit report, but a large amount of it will be shown by the documents included in your Orlando mortgage loan application.

Here is a list of the items you'll probably be asked for:

* Income Documents - Your most recent paycheck and W-2s from the last two years. In some cases you could be asked for copies of your tax statements, particularly if you are self employed or receive a big portion of your compensation as commission or a bonus. If you receive income from another source for instance social security, a pension, alimony, or child support you'll be asked to document that too.

* Asset Documents - Your two most recent statements for checking, savings, and investment accounts. This may comprise of retirement accounts such as an IRA, Roth IRA, or a 401k. Be sure to include each of the pages of each statement, even those which read "this particular page intentionally left blank." That is the best way for those going over your application to determine that there isn't any relevant information on those pages. If you own any additional real estate you will also be asked for details of those properties.

* Identification - Your driver's license, social security card, and evidence of immigration status (if applicable.)

* Loan Information - A copy of the purchase contract and earnest money deposit in the case of an investment. For a refinance loan the approximate amount of the loan to be paid off.

* Depending on your particular scenario you might be asked for additional documentation, such as a divorce decree, separation papers, a gift letter if using gift funds to cover all or part of an advance payment, a business license if self employed, or an offer letter if starting a new job.

Always give copies rather than original copies of all important documents when filling in your mortgage application. This will save you the trouble of having to wait for the original papers to be given back to you, and you'll be able to provide another copy in case something is accidentally misplaced.

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