To apply for a mortgage in Florida, most lenders require standard documentation to verify income, assets, and identity. Common documents include:

• Government-issued photo ID
• Recent pay stubs or proof of income
• Two years of W-2s or tax returns (self-employed borrowers may need more)
• Bank statements showing available funds
• Authorization to pull credit

Additional documents may be required depending on the loan program, property type, or borrower profile. Providing complete documentation early helps speed up the approval process.