Use this checklist to compile information that may be needed to process your mortgage loan application.

Depending on the type of loan these items may be requested

• Copy of your Purchase Contract/Agreement signed by all buyers and sellers (for purchase)
• Copy of the Deed (for refinancing)
• Original pay stub covering the last 30 days for all applicants (Continue to save your pay stubs until your loan is closed)
• Copies of W-2 forms for the last two years for each applicant
• Copies of bank statements for the past two months for all checking, savings, retirement, and/or brokerage accounts.
• Name, address, and telephone numbers of all landlords & employers over the past 24 months
• Last 12 months cancelled mortgage payments or rent checks
• Copy of drivers license or other government issued ID

Application for a Veterans Administration Loan

• VA Certificate of Eligibility
• Form DD-214 or Statement of Service
• Most recent Leave and Earnings Statement

Self-employed or Commission Income

• Copies of your last two years personal and business, signed federal income tax returns with all schedules
• Copies of business or occupational licenses for the last two years

Divorced

• Complete, signed copy of divorce decrees, including any stipulations or modifications
• For child support income to be included, provide proof of receipt for last 12 months

Declared Bankruptcy in Last Seven Years

• Copy of petition or decree, schedule of creditors, and discharge
• A detailed letter of explanation on why you filed for bankruptcy

Miscellaneous

• If during the past two years you have a gap in your employment of 30 days or more, include a letter explaining the reason for the gap.
• If you are selling your present home, provide a copy of your signed HUD-1 Settlement Statement showing the amount of proceeds (or Estimate of Proceeds from your Realtor)
• If you have rental property, provide a copy of your current leases and copies of your last two years signed federal income tax returns
• If you are receiving gift money for part or all of your down payment, please do not deposit the gift funds until you discuss it with you loan officer
• If you are being relocated by your employer, provide a copy of your company’s relocation policy
• If you are a first time homebuyer and eligible for your local Finance Authority’s Assistance Program, bring a copy of your last three years federal tax returns.