Loans Document Checklist

All Loans:

  • Copies of previous two years W-2 forms for all jobs
  • Copy of the two most recent pay stubs
  • Executed sales contract signed by Buyers and Sellers (if this is a purchase)
  • Name, address, and telephone number of all employers for past 24 months
  • Copies of your last three months bank statements including checking, savings account(s), money market etc.
  • The most recent statement for any Stocks, Bonds, Mutual Funds, IRAs, Thrift Savings Plans (TSP), Retirement Accounts etc.
  • If you are currently renting, provide either the name and address of your landlord(s) covering the past 24 months or 12 months of canceled rent checks

If you are self-employed or paid by commission:

  • Previous two years Federal Income tax returns with all schedules
  • Previous two years Business tax returns complete with all schedules (for self employed)
  • Year-to-date profit and loss statement. (for self employed). This may be un-audited

If you have filed bankruptcy in the last seven years:

  • Copy of the bankruptcy papers including all schedules and the “Discharge of Bankruptcy”.
  • A list of any credit obtained since the bankruptcy

If you own other properties:

  • Address of the properties and current market value.
  • Any debt owed on properties, Lender’s name, address, account number, monthly payment, and current balance.
  • If rented, a copy of the current lease(s).

If you will be using Child Support/Alimony income to qualify or are obligated to pay Alimony or Child Support:

  • Copy of the Divorce Decree and Property Settlement

If you are refinancing:

  • Copy of the Warranty Deed to your property
  • Copy of your Title Insurance Policy
  • Contact name and telephone number of your Homeowners and Flood Insurance Agent
  • Copy of Your Survey

For 2nd Mortgages/Home Equity Loans:

  • Copy of your 1st mortgage and note
  • Copy of the Deed to your Property (note: NOT the “Deed of Trust”)
  • Copy of your Homeowners & Flood Insurance policys – (coverage page(s) only)

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