MORTGAGE CHECKLIST

Ensure you have all the necessary documentation ready before starting your loan application. Being prepared saves time and helps your loan close smoothly and quickly.

 
 

Loan Checklist

  • W-2 forms (previous 2 years)

  • Pay stubs (2 most recent)

  • If self-employed- Two years signed tax returns with all schedules & YTD profit & loss

  • Employer name & address (2 year history)

  • Bank Account(s) Statements (recent 2 months)

  • Statements for 401(k)s, stocks, other investments (most recent)

  • Photo identification (valid Drivers license or Passport)

  • Letter of explanation (signed and dated) of any large deposits other than normal payroll into accounts

  • Letter of explanation (signed and dated) of any inquiries on credit report

  • If selling your current home - Contract for home being sold

  • For eligible Active Military and Veterans - DD214 & Certificate of Eligibility

  • Divorce Decree and Separation Agreement (if applicable)

  • Additional items below for home purchase and refinance requirements.

Home Purchase Checklist

  • New home sales agreement, specifications, plans, and/or legal description

  • Copy of Earnest Money Check

  • First time home buyers - Landlord name & address for previous 2 years

Refinance checklist

  • Copy of current deed

  • Most recent State property tax bill or receipt

  • Mortgage Statement

  • Insurance Declaration Page

  • Survey (if applicable)