RESOURCES

Loan Application - What to Bring

In order for your home loan to be approved as quickly as possible, the following items will be needed to get the process started. The Basic items apply for all clients. Other areas may apply based on your unique circumstances. As always, our Home Loan Specialists are ready to help you along the way and answer any questions you may have.

    Application Basics:
  • The full name, current address and Social Security number of all borrowers (in order to provide a credit report for review)
  • Pay stubs covering the last 30 days
  • W-2/1099 for the last two years
  • Bank statements for the last two months (all pages)
  • Most recent retirement or investment statements (401K, IRA, stocks, mutual funds, etc.)
  • Driver’s license (or other photo ID)
  • Social Security card
    If you are Self Employed:
  • Federal Tax returns for the last two years (all pages and all schedules)
  • Corporate/partnership returns will also be required if applicable
  • Current year to date balance sheet or profit and loss statement
    If there has been a Bankruptcy, Foreclosure, Judgment or Collection:
  • Bankruptcy papers including all schedules and the judge signed discharge (if filed or discharged in last 7 years)
  • Judgments and satisfaction of judgments
  • Foreclosure documentation
  • Collections and paid receipts
  • Explanation letter
    If there has been a Divorce or Child Support or Alimony is Received:
  • Divorce decree
  • Child support order (if not included in divorce decree)
  • Alimony order (if not in divorce decree)
  • Proof of receipt of monthly child support or alimony
  • Friend of the Court information (if applicable)
    If you have other forms of Income:
  • Social Security award letter (if using Social Security income)
  • Rental income (copy of leases and Federal tax returns)
  • Retirement / pension award letter
  • Workmen’s compensation information
  • Unemployment information
  • Part-time jobs (pay stubs and W-2s for the last 2 years)
  • Any other income information
  • Disability income and documentation to show why you’re receiving these payments
    If you are currently Renting:
  • Address for the last two years
  • Name, address and phone number of landlord(s) for the last two years
    If you are a Veteran of the U.S. Military (VA Loan):
  • DD214
  • Certificate of Eligibility
    If you are Purchasing a Home (This is not required for a Pre-Approval):
  • Written purchase agreement signed by all parties
  • Seller’s disclosures (if available)
  • Copy of earnest money deposit check
  • Copy of existing survey (if available)
  • Listing card
  • Seller’s information (if your purchase is for sale by owner - FSBO)
    If you are Refinancing:
  • Closing documents from current mortgage (in the envelope from your previous closing)
  • Settlement statement (HUD-1)
  • Warranty deed
  • Title insurance policy
  • Note
  • Mortgage
  • Survey
  • Previous appraisal
  • Real estate tax information or taxable value of property
  • Home owner’s insurance information
  • Information on second mortgage or HELOC (if applicable)
  • Land contract (if refinancing land contract)