Mortgage document checklist

Confirmed in present position with probationary period completed.

• Income letter from employer
• Last three (3) months' payslips
• Government issued ID
• Tax Registration Number (TRN), Social Security Number (SSN) or equivalent
• One (1) additional Government-issued ID
• Birth Certificate
• National Insurance Scheme (NIS) Card
• Verification of NHT contribution for the last seven years
• Proof of name change (if applicable)
• Letter of Certification from the 'Jamaica Council for Persons with Disabilities' (if currently registered with the Council)
• Signed sale agreement
• Valuation report
• Surveyor's ID report
• Letter from Strata Committee (if it's an apartment building)
• Mortgage processing fee
• Purchaser's Statement of Account
• Property tax certificate & up to date utilities

Employed with salary that includes commission-based earnings.

• Income letter from employer
• Last three (3) months' payslips
• Government issued ID
• Tax Registration Number (TRN), Social Security Number (SSN) or equivalent
• One (1) additional Government-issued ID
• Birth Certificate
• National Insurance Scheme (NIS) Card
• Verification of NHT contribution for the last seven years
• Proof of name change (if applicable)
• Letter of Certification from the 'Jamaica Council for Persons with Disabilities' (if currently registered with the Council)
• Signed sale agreement
• Valuation report
• Surveyor's ID report
• Letter from Strata Committee (if it's an apartment building)
• Mortgage processing fee
• Purchaser's Statement of Account
• Property tax certificate & up to date utilities
• Status Letter on Life Insurance and Life Insurance Policy

Receiving regular pension income.

• Income Verification Letter from the Contractee (i.e. the employer)
• Last 12 months' payslips or invoices obtained from / presented to the Contractee
• Government issued ID
• Bank Statements for the last 12 months (account to which net income is deposited)
• Tax Registration Number (TRN), Social Security Number (SSN) or equivalent
• Proof of Address
• Proof of Ownership of vehicle used for haulage contracts (Haulage contractors only)
• One (1) additional Government-issued ID
• Birth Certificate
• National Insurance Scheme (NIS) Card
• NHT Contribution Compliance Certificate
• Proof of name change (if applicable)
• Letter of Certification from the 'Jamaica Council for Persons with Disabilities' (if currently registered with the Council)
• Signed sale agreement
• Valuation report
• Surveyor's ID report
• Letter from Strata Committee (if it's an apartment building)
• Mortgage processing fee
• Purchaser's Statement of Account
• Property tax certificate & up to date utilities
• Status Letter on Life Insurance and Life Insurance Policy

Owns and operates a business with separate business financials.

• Current Financial Statement for business account clearly showing the applicant's earnings
• Government issued ID
• Proof of Address
• Taxpayer's Registration Number (TRN) Card or Social Security Number
• Auditor's / Accountant's confirmation of the applicant's monthly / annual gross and net income
• One (1) additional Government-issued ID
• Birth Certificate
• National Insurance Scheme (NIS) Card
• Verification of NHT contribution for the last seven years
• Proof of name change (if applicable)
• Letter of Certification from the 'Jamaica Council for Persons with Disabilities' (if currently registered with the Council)
• Signed sale agreement
• Valuation report
• Surveyor's ID report
• Letter from Strata Committee (if it's an apartment building)
• Mortgage processing fee
• Purchaser's Statement of Account
• Property tax certificate & up to date utilities
• Status Letter on Life Insurance and Life Insurance Policy