Loan Application Checklist


Refinance Information
Most recent statement from your current mortgage.
Declaration page from your homeowner's policy.
Purchase Information (if you already have a contract on a house)
Signed Agreement of Sale.
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:
 

Names and addresses of each employer.

W-2s
Statements for each bank, mutual fund, and/or investment account for the last two months.
  If you have made any large deposits to your accounts:
 

Explanation and source for deposit.

If large deposit was a gift:
 

Signed gift letter.

Copy of gift check.

Copy of deposit receipt.
  If you own more than 25% of a business:
 

Corporate or partnership tax returns.
  If self-employed:
 

Tax returns for the last two years (with schedules).
  If you own rental property:
 

Tax returns for the last two years and current rental agreements.
  If you are retired:
 

Pension Award Letter.
  If you receive Social Security:
 

Social Security Award Letter.
  If you are counting child support as income:
 

Copy of twelve months of cancelled child support checks.

VA Loans

Copy of DD Form 214, Report of Separation.

Miscellaneous

Photo ID (ie: Driver's License) and proof of Social Security number.
If you are not a citizen, a copy of the front and back of your green card.
If applicable, a copy of your divorce decree and/or separation agreement.
   

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