Your Mortgage Loan Application Checklist

Having this information ready will make the application process quicker and smoother. 

  • COPY OF DRIVER’S LICENSE(S) or other state issued photo ID
  • W2S FOR LAST TWO YEARS to show your income history
  • MOST RECENT PAYSTUBS showing last 30 days income
  • TWO MOST RECENT BANK STATEMENTS with all pages to show necessary funds to cover closing costs, etc.
  • SIGNED FEDERAL INCOME TAX RETURN for the most recent 2 years including all schedules
  • SIGNED PURCHASE AGREEMENT for purchases only
  • MOST RECENT ASSET STATEMENTS including all pages of 401k, IRA statments, social security, pension letter or 1099, etc. if applicable
  • HOME OWNER’S INSURACE CONTACT INFORMATION including agent name you will be using and phone number
  • CURRENT MORTGAGE STATEMENT if applicable or any other real estate owned to verify taxes and insurance amounts
  • BANKRUPTCY, FORECLOSURE, OR DIVORCE in the past seven years may require copies of court documents/letters of explanation
  • SELF EMPLOYMENT requires business tax returns, K-1’s for partnerships, business tax returns for any partnerships with 25% or more capitol equity position and YTD P&L/financials.

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