Polish Mortgage Application Translation
Polish mortgage application translation for a borrower whose income, savings or down payment come from Poland and a US lender who needs each paper in English, and into Polish for an American applying for a kredyt hipoteczny at a Polish bank. We translate employer letters, PIT forms, bank papers, the księga wieczysta and the akt notarialny.
- Up to 250 words per page
- $25 per page
- Standard turnaround
- From 24 hours
- Certificate of accuracy
- Signed & stamped
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Written for Polish mortgage application records
Which Polish papers a US underwriter will ask for
A US lender does not read a Polish file as a whole. Each document answers one question about income, assets or where the money came from, and the translation has to answer that question cleanly.
Income: zaświadczenie o zatrudnieniu i zarobkach
Polish employers issue a one-page zaświadczenie o zatrudnieniu i zarobkach, often on the bank's own form, stating the type of umowa o pracę (na czas nieokreślony or określony), the position, the start date and the average wynagrodzenie brutto over recent months, signed with the firm's pieczątka. An umowa zlecenie or umowa o dzieło is a civil-law contract, not employment, and the translation names it as such because a lender treats it differently. A self-employed borrower shows the wpis do CEIDG and the PIT with its UPO.
Source of funds: księga wieczysta and akt notarialny
When a down payment comes from a sale in Poland, the lender wants the chain: the akt notarialny of sale, with its repertorium A number and the notary's seal, the incoming przelew on the bank statement, and the land register entry read online from the Elektroniczne Księgi Wieczyste under a number like WA1M/00123456/7. The register's four działy cover the property, the owner, third-party rights and the hipoteka, and when the lender only asks for ownership we translate dział II rather than the whole book.
The other direction: a Polish bank and a US borrower
A Polish bank lending to someone paid in dollars asks for the equivalents of its usual file, so US pay stubs, W-2s, the Form 1040 and a bank history go into Polish, with a US credit report added because BIK has nothing on a borrower new to Poland. Most banks' checklists say tłumaczenie przysięgłe, and in Poland only a tłumacz przysięgły on the Ministry of Justice list can make one. We translate into Polish and can notarize; ask the doradca kredytowy what the bank will take before ordering.
Who is asking for your Polish mortgage application translation?
The translation is the same. What changes is whether the recipient wants anything added to it.
Banks and mortgage lenders
A US lender underwriting a buyer with foreign income or assets accepts a certified translation of each document. Digital delivery as a PDF is usually enough; ask for a hard copy if they want one.
Lenders and notaries abroad
Buying property in another country usually means the bank or the notary there wants your US documents translated, notarized and sometimes apostilled. Tell us the country in your order notes.
USCIS
A joint mortgage is common evidence in a marriage-based petition. USCIS asks for a complete English translation and a signed certification from the translator. No notarization is needed.
Before you upload
Three things that save a day of back and forth on a Polish mortgage application.
Gather the lender's checklist first
Lenders ask for pay slips, bank statements, tax returns and proof of assets alongside the application. Upload the set in one order so the names and figures are consistent across every document.
Send the pages that support the numbers
An employment letter or a property deed is often referenced on the form. Include each supporting document in full, with stamps and signatures, rather than only the summary page.
Tell us the spelling and the currency
Give us the applicant names as the passport spells them. Amounts stay in the original currency and the translation does not convert them, so ask the lender whether they want a conversion note.
Details and pricing
What is included in a Polish mortgage application translation
One price per page covers the translation and its certification. A page is up to 250 words, and the quote tells you the page count before you pay.
Everything on the mortgage application is translated, including stamps, seals and handwritten notes. Tell us the English spelling you use for each name when you order.
Certified Translation
Word-for-word translation with a certificate of accuracy for official use.
$25
USD / page
up to 250 words per page
Included
- Signed & stamped certification of translation accuracy
- Certified by a professional translator
- Digital delivery via PDF
- Review and approve final translation
- 100% Guaranteed Acceptance
- Standard turnaround starting at 24 hours
Optional services
- Expedited turnaround
- Priority handling when your deadline is shorter than the standard turnaround.
- By deadline
- Notarization
- A notary public signs and stamps the certification statement.
- $20 per order
- Physical copy
- A wet-ink original of your translation, mailed by express courier.
- $35 per order
- Apostille
- Authenticates the notary’s signature and seal for use in Hague Convention countries.
- $180 per document
What the certificate of accuracy states
Your translation arrives with a Certification of Translation Accuracy issued by ImmiTranslate. It is the page the receiving organization checks first.
- The translation is complete and accurate.
- The document title and the language pair.
- The translator is competent in both languages.
- A signature and the ImmiTranslate certification stamp.
- Our American Translators Association corporate membership.
Our translation process
Our goal is to make the translation process as simple as possible for you. Our service is streamlined specifically for documents of this nature.
Polish Mortgage Application FAQ
Most questions about pricing and turnaround can be answered faster by requesting a quote.
- The lender asked for my credit history from Poland. What do I send?
- The Raport BIK from the Biuro Informacji Kredytowej, which you can order online. It lists every credit account, the limit, the balance and the payment history month by month, and a closed account section. We translate the report in full, including the column headings, so an underwriter can read it as non-traditional credit. Whether the lender counts it is their decision, not something a translation can change.
- Do you translate the operat szacunkowy for a property in Poland?
- Yes. An operat szacunkowy is the appraisal written by a licensed rzeczoznawca majątkowy and it can run to many pages of comparables and photographs. If the lender only needs the value and the date, say so and we translate the summary pages and the signature page, marked as an extract; if it needs the whole report, we translate everything, photo captions included.
- My parents in Poland are gifting part of the down payment. What proves it?
- A US lender wants a gift letter and proof of the transfer. In Poland the gift is usually recorded as an umowa darowizny between parent and child and reported to the Urząd Skarbowy on form SD-Z2 so it stays exempt from gift tax. We translate the umowa, the SD-Z2 with its UPO and the przelew line on both statements, so the underwriter sees the same amount leave one account and arrive in the other.
- How much does a certified translation cost?
- Certified translation is $25 per page, with a page counted as up to 250 words. Notarization, a mailed physical copy and an apostille are optional and priced separately.
- How long does a certified translation take?
- Standard turnaround starts at 24 hours and depends on the length and language of your documents. If you have a deadline, include it in your quote request.
Other Polish documents we translate
Mortgage application translation in other languages
Each of these pages is written for that language's mortgage application records.
Sending it with an application? Read the Certified translations, Notarized translations before you order.