Core documents
Personal tax returns, Business tax returns, if applicable, 1099 forms, Bank statements, Business statements.
Mortgage education
Mortgage Document Checklist
A practical checklist for gig workers preparing for a mortgage conversation.
Gig income documents
Profit and loss statement, Driver app income summaries.
Identity and funds
Government-issued ID, Proof of residence, Down payment and reserve proof.
How to use this guide
Use this page to prepare better questions before a mortgage conversation. For gig workers, rideshare drivers, freelancers, and 1099 earners, the important issue is usually not whether the work is legitimate. It is whether the income can be documented clearly enough for review under a specific loan program.
What to review before applying
Before requesting preapproval, compare your tax returns, bank deposits, app income summaries, debt payments, credit profile, and available funds for closing. If those records tell the same income story, the conversation is usually easier. If they do not, a licensed mortgage professional can explain what additional documentation may be needed.