Loan Application Checklist

After applying for your loan and reviewing the applicable disclosures, please supply the following information if you would like to proceed with your mortgage loan application:

Property Information (if you already have a contract on a house)
Purchase Agreement.
Copy of legal description and MLS sheet.
If you are selling your current home, copy of listing contract.
If you have sold your current home, copy of settlement statement (HUD-1).

Income & Assets

Pay stubs for the last 30 days.

For the past two years:

Complete Federal Tax Returns including all schedules; Provide 3 years if you are a First Time Homebuyer. 

W-2s and/or 1099's; this includes pension, social security employment, and unemployment.
Statements for each bank, mutual fund, retirement, and/or investment account for the last two months - all pages required.
   If you have made any recent deposits to your accounts outside of payroll:

Explanation and source for deposit.

If deposit was a gift:

Signed gift letter (lender can supply).

Copy of gift check.

Copy of deposit receipt.

Copy of withdrawal from Donor's account.


  If self-employed:

Year-to-Date Profit and Loss Statement prepared by your tax preparer.

Corporate or partnership tax returns for last 2 years - all pages/schedules.
  If you own rental property:

Copies of all current rental agreements.
  If you receive Social Security:

Social Security Award Letter.

Pension Award Letter
  If you are counting child support as income:

Copy of divorce decree and/or court order.

Copy of twelve months of cancelled child support checks.

If obligated to pay child support or spousal maintenance, supply divorce decree and/or court order.


Explanation of credit report anomalies, including:

Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.

Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers including all schedules: Petition, Schedule of Debts, Discharge).

VA Loans

Certificate of Eligibility; copy of form DD 214.


Photo ID and proof of Social Security number.
Residence addresses for the past two years.
If applicable, a copy of your divorce decree.
If you are not a U.S. citizen, a copy of the front and back of your green card.