Application Checklist

Below is a list of documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, be cooperative and provide the information requested as soon as possible. It will help speed up the application process.

Identification 

• Social Security Card(s)
• US.Passport or green card(s)
• Driver License(s)

Income

• paystub(s) covering the last 30 consecutive days (must include a year-to-date income).
• W-2 Forms for the last 2 years.
• Last 2 years' personal federal income tax returns with all pages and all schedules.
• Award letter for any social security and/or disability income. Should show income to continue for the next 3 years.
• Retirement award letters. Should show income to continue for the next 3 years.
• If you receive child support, alimony, or separate maintenance and wish this to be considered as income, provide proof of receipt for the last 12 months.
• If you are self-employed, please provide a copy of any applicable licenses for your business.

Assets

1. Last 2 months of bank statements. These must include all pages of the statement(s) even if the last page is blank. Internet copies are acceptable as long as they contain bank name, account number, your name, and 60 days' history. 
2. Last quarterly statement for all listed other asset accounts. This will include 401(k), IRA, stock accounts, and mutual funds. Must include all pages of statement even if last page is blank

Purchase

1. Fully executed sales contract completed by all parties (Realtors, sellers, and buyers) with all signed addendums ( any required documentation per said addendums).
2. Proof earnest money deposit has cleared your bank. A picture of the cleared check (front and back) should be available through your bank’s online access.
3. Copy of sales contract on existing home if you are selling current home

Refinance

1. Most recent mortgage statement(s) for your current loan(s) for all properties.
2. Hazard Insurance Information: a copy of your hazard insurance declarations page or provide the name, company, phone number, and policy number for your homeowner’s insurance. * The following items should be in the file you received after your last closing on this property.