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Ever wonder what kind of information you'll need for a loan application? Print out the handy checklist below! |
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| ____ | Employer's verification address, contact phone number for personnel for both Borrower. and Co-Borrower. We need to verify the last two years employment. |
| ____ | Copy of Borrower's and Co-borrower's most recent two (2) years W-2s. |
| ____ | For self-employed, a Year-To-Date signed Profit & Loss Statement and current balance sheet. Copies of Federal Tax Returns for most recent two (2) years, including all schedules, W-2s, 1099s, etc. These copies must be signed and dated. |
| ____ | Copy of Borrower's and Co-borrower's last 4 weeks pay stubs. |
| ____ | Copy of Borrower's and Co-borrower's Driver's License or photo ID and social security number. |
| ____ | Diploma or school transcripts, if you have been a student within the last 2 years |
| ____ | Banks: Last 2 months statements (ALL pages of statements) |
| ____ | After your earnest money agreement or contract is accepted, verification of deposits after all funds needed for closing are on deposit. |
| ____ | Current account statements received for all asset accounts (savings, checking, mutual funds, stocks, bonds, IRA, 401(k), etc.) |
| ____ | After your earnest money agreement or contract is accepted, copy of front and back of cancelled earnest money check or copy of front of un-cancelled check and copy of bank statements showing it cleared from your account. |
| ____ | Landlord's or present mortgage company's name, address, phone number(s) and loan number (if applicable) for the last TWO years. |
| ____ | If DIVORCED, all pages of the divorce decree will be required if: a) you need to use the child support specified in the divorce decree for income, b) if you are recently divorced c) if credit issues specified in the divorce are applicable to prove your loan worthiness. |
| ____ | If you receive Child Support and need to use it for income qualification, provide the divorce decree (all pages) if the amount specified in the divorce is correct or provide the last 12 months activity as reported by the County Child Support Bureau or cancelled checks - whichever applies. |
| ____ | If Bankruptcy: It must be fully discharged and all pages of the Bankruptcy and Discharge must be provided. |
| ____ | For VA loans, an ORIGINAL copy of VA Certificate of Eligibility. |
| ____ | Copy of Social Security award letter, if you get Social Security. |
| For refinance loans: | |
| ____ | Condos/Homeowners Associaton: Name, address and phone number of your Homeowners Association. |
| ____ | Current mortgage company name, address, phone numbers and account numbers. |
| ____ | Copy of face page of homeowner's insurance policy. |
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