Loan Application Checklist

What you need to know when you apply for a mortgage loan.

Below are the essential items you and any co-borrower will need to prepare for your mortgage loan interview. Some programs have slightly different requirements, so be sure to consult with a member of our Lending Team before your meeting to ensure you have everything you need.

  • Social Security Number and Date of Birth
  • Paystubs - Most recent one month that shows year-to-date earnings
  • W-2 Tax Forms - Applicable copies sent to you by your employer; up to two years may be required
  • Employer Information - All borrowers must provide name(s), address(es) and phone number(s) of employers for the past two years
  • Account Information - Account numbers and current balances of checking, savings and other deposit accounts
  • Current Assets - Current statements for Individual Retirement Accounts (IRAs), Certificates of Deposit (CDs), stocks, bonds, and 401(k) accounts
  • Personal Property - Value of other property or assets including life insurance, automobiles, etc.
  • Liabilities - Auto loans, student loans, credit cards and other installment debt; provide name and address of each creditor, the monthly payment and the current balance of each
  • Current and Previous Addresses
  • If you own a home, bring the property address, current market value, mortgage lender name, account number, current monthly mortgage payment, and outstanding mortgage balance

    If you are renting, bring the property address, name and address of the landlord, current monthly rent, and previous address/landlords if you have lived at your current address for less than two years

  • Agreement of Sale
  • A signed copy and any applicable addendums, a copy of the listing form for the property, the legal description of the property, and any receipts for down payment

There may be some special situations that require you to supply additional information. This could include:

  • If you are self-employed or work on a commissioned basis, you should bring your federal tax forms for the past two years and a current year-to-date profit and loss statement
  • If you are separated or divorced, you should bring a copy of your divorce decree and separation agreement. Also bring documentation on alimony, child support, or separate maintenance payments you are required to make or you receive as income. Proof of this income can be the clerk of court's history of payments or canceled checks for the past year.
    • Note: Alimony, child support, or separate maintenance income need not be revealed if you (or a co-borrower) do not choose to have it considered for repaying this loan.
  • If you include pension, disability, Social Security, or other public assistance as part of your income, you will need to bring a copy of an award certificate or a check from the issuing agency
  • If you have a bankruptcy, foreclosure, or any other judgments against you over the past seven years, you will need to bring relevant information about the proceedings. Such information includes a copy of the bankruptcy discharge and schedule of both debts and assets. An attorney's letter that discusses the outcome of the proceedings should be included if there are judgments against you.

Talk to a Mortgage Loan Specialist today!

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