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Loan Checklist

In general, the documentation you will need includes:
  • Check or credit card for application fee

Property Information (if you already have a contract on a house)

  • Purchase Agreement.

  • 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 three months.

  • If you have made any large deposits to your accounts:​


  • Explanation and source for deposit.


  • If large deposit was a gift:


  • 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 three years (with schedules).


  • Year-to-Date Profit and Loss Statement prepared by an accountant.


  • 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 divorce settlement.


  • Copy of twelve months of cancelled child support checks.


  • Names, addresses, account numbers, balances and monthly payments on all current loans.

  • 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).

VA Loans

  • Copy of DD Form 214, Report of Separation.


  • 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 citizen, a copy of the front and back of your green card.

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