Loan Application Checklist
What documents do I need to bring to the loan application?
It’s important that you have your paperwork in order when you are ready to apply for your mortgage. In order to process your application and verify the information you’ve told us about your income, employment, assets, credit and identity, we require the following documents to be submitted with your signed application and disclosures.
Listed below are the documents needed under most circumstances. Certain loan types may require more documentation.
- W2′s for the past 2 years
- Most recent 30 days paystubs
- Residence addresses for the past 2 years
- Names and addresses of employers from the past 2 years
- Last 3 months of bank statements for all checking, savings, mutual funds/401K etc.
- Names, addresses, account numbers and monthly payments on all credit accounts – car loans, student loans, personal loans, other mortgages, credit cards and any other debts
- Other real estate owned – addresses, annual taxes and insurance, and if rental, leases or tax returns for the last 2 years
- Last 12 months rent checks or Landlord’s full name and mailing address for the past 2 years
- Copy of Social Security Card (FHA)
- Green Card (if applicable)
- Certificate of Eligibility (VA)
- If you are self-employed, we need last 2 years tax returns and all schedules and a year to date profit & loss
- Copy of Divorce Decree or separation agreement, if applicable
- Sales contract or purchase agreement
- 2 – 3 years tax returns
- Written explanation for any credit problems
- Written explanation for any gaps in employment that exceed 30 days
