What is typically required to secure a mortgage loan?

To secure a mortgage loan, income verification and proof of employment are typically necessary to demonstrate the borrower's ability to repay the loan. Lenders require this information to assess the financial stability of the borrower and confirm that they have a consistent income source. This is crucial for evaluating the risk involved in lending a substantial amount of money for a long term, such as a mortgage.

The other options don't align with standard practices in the mortgage lending process. A minimum bank balance might indicate financial health, but it does not directly verify the capacity to repay the mortgage. Personal references might provide insights into a borrower's character, but they are not typically required in the same way as income documentation. Social media profiles are not relevant in the mortgage loan application process and have no bearing on a borrower's financial standing or repayment ability. Therefore, the requirement of income verification and proof of employment is fundamental in the mortgage lending landscape.