Mortgage Checklist
Use this checklist to make sure you have everything you need before you begin your loan application. Having all necessary documentation up front saves time so your loan can 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.
Refinance checklist
Copy of current deed
Most recent State property tax bill or receipt
Mortgage Statement
Insurance Declaration Page
Survey (if applicable)
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