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Loan Checklist
When you apply for your mortgage loan, you may be required to submit any or all of the following documents that pertain to you and your loan. Contact your loan officer if you have any questions or concerns as these requirements may vary depending on the lending product or provider.
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Completed, signed, and dated application (including application fee) |
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Names and addresses of each of your employers for the past two years |
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Photo ID and proof of your Social Security number |
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Addresses of your residence(s) for the past three years (including name and address of your current landlord, if applicable) |
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Pay stubs for the last 30 days |
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W-2s for the last two years |
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List of assets, including estimated value |
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Statements for each bank, mutual fund, and/or investment account for the last two months |
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Names, addresses, account numbers, balances, and monthly payments for all current loans or debts |
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Schedule of real estate owned, if applicable |
If you own rental property:
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Tax returns for the last two years |
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Current rental agreement(s) |
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Explanation of credit report anomalies (including late payments; credit inquiries in the last 90 days; collections, judgments, and/or liens; or bankruptcy in last seven years) |
If you are self-employed:
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Tax returns for the last two years |
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Year-to-date profit and loss statement and balance sheet |
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If you are part of partnership or own a business or corporation, tax returns for the past two years |
If you are purchasing a house:
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Signed purchase agreement |
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Copy of legal description and MLS sheet |
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Verification of funds. If funds are a gift, a gift letter form completed by the giving party |
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copies of bank statements |
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copy of check and/or deposit slip |
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If you are selling your current home, a copy of the listing contract |
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If you have sold your current home, a copy of the settlement statement |
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If you are retired, a copy of your pension award letter, indicating monthly income |
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If you receive Social Security, a copy of your Social Security award letter |
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If you receive disability compensation, a copy of your disability letter, indicating monthly income and length of compensation |
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If you are divorced, a copy of your divorce decree and settlement agreement |
If you receive child support or alimony:
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copy of your divorce settlement |
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copies of twelve months of cancelled child support checks or deposit slips |
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If you are a veteran, a Certificate of Eligibility and DD-214 |
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If you are not a citizen, a copy of the front and back of your green card |
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Signed disclosures |
If you are refinancing:
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copy of title insurance policy |
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copy of homeowner’s insurance policy indicating coverage |
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copy of survey |
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a letter of explanation of purpose, indicating what the funds will be used for |
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If you are obtaining a second mortgage, a copy of the first note and mortgage |
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