Who this article is for
This article is for:
Borrowers preparing for a Nestwise application
Homebuyers gathering documents before pre-approval
Homeowners planning to refinance
Anyone unsure what paperwork will be needed
What documents you need for a Nestwise mortgage
Nestwise follows Fannie Mae and Freddie Mac documentation rules.
This means you’ll need to provide documents that verify your identity, income, assets, and the home you are buying or refinancing.
Below is a breakdown of the most common requirements.
1. Identity and personal information
You will typically need:
A valid government-issued ID (driver’s license or passport)
Social Security Number
Proof of residency status (if applicable)
These items confirm your identity and are required for all borrowers.
2. Income documentation
Income requirements depend on how you earn your money.
W-2 employees
You may need:
Most recent 30 days of pay stubs
W-2 forms from the last 2 years
Federal tax returns, if requested
Self-employed borrowers
You may need:
2 years of personal tax returns
Business tax returns (if applicable)
Year-to-date profit and loss statement
Business bank statements
Documents verifying business ownership
1099 contractors or mixed-income borrowers
You may need:
Most recent 1099s
2 years of tax returns
Bank statements showing consistent deposits
Additional documentation depending on income variability
3. Asset documentation
Nestwise will review your assets to verify down payment funds, reserves, and closing costs.
You may need:
Recent bank statements (typically 1–2 months)
Retirement account statements
Investment account statements
Documentation for gift funds, if applicable
Gift funds require:
A signed gift letter
Proof of transfer
Verification that the donor has the ability to give the gift
4. Property documentation
Depending on your loan, you may also need:
Purchase contract (for homebuyers)
Homeowner’s insurance policy
HOA documentation (if applicable)
Property tax information
Nestwise will order an appraisal for most loans, and you will receive updates through your dashboard.
5. Additional documentation
Some situations may require extra items, such as:
Divorce decrees (for alimony/child support considerations)
Bankruptcy or foreclosure documentation
Letters of explanation for credit events
Proof of paid-off debts
Proof of rental history
Nestwise will request these only if needed based on your scenario.
What happens after you upload your documents?
After you upload your documents:
Nestwise reviews everything digitally
You’ll see updates in your dashboard
If something is missing, you’ll receive a clear request
You can upload new documents from your phone or computer
Support is available if you have questions or run into issues.