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Client onboarding checklist for mortgage brokers

A complete file on day one is the whole game. This checklist gathers identity, income, debts and property details so you can shop lenders immediately instead of chasing documents for weeks.

1. Full legal name, date of birth, ID, contact details
2. Solo or co-borrower application
3. Property address (or target price range)
4. Purpose: purchase, refinance, renewal
5. Purchase price and planned down payment
6. Employment: employed, self-employed, retired
7. Employer, position, length of employment
8. Annual gross income + other income sources
9. Monthly debt payments: cards, loans, leases
10. Credit score range; any past bankruptcies
11. Liquid assets for down payment and closing costs
12. Target closing date
13. Real estate agent contact (if any)
14. Consent to credit check

Tips from the field

• Collect documents as files in the same flow — not 'later by email'.
• Self-employed clients need 2 years of records — ask early.
• The closing date drives everything; confirm it first.