Mortgage Application Checklist
BUYING A HOME?
o Most recent bank/investment statement(s) to show funds for a down payment – all numbered pages are required
REFINANCING A HOME?
o Most recent mortgage statement – as applicable
o Current fire and/or flood insurance policy
o Current HOA statement – as applicable
ALL TRANSACTIONS:
o Copy of Photo ID (unexpired drivers license, state-issued ID or passport)
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IF YOU ARE AN EMPLOYEE:
o Most recent pay stubs to cover the last 30 days
o Last 2 years W-2s
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IF YOU ARE SELF-EMPLOYED:
o Federal Tax returns for the last 2 years: Personal and Business (Form 1040, 1120, 1065, K-1 and W-2 as applicable) Note, if prior tax year is on extension, we will need the P&L as well as the last 2 filed returns.
o Business License — if applicable
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IF YOU ARE RETIRED OR DISABLED:
o Last year’s 1099s
o Federal Tax returns (state returns not necessary) for the most recent filed tax year
o Current Retirement and/or Social Security Award letter/Benefit Statement
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IF YOU OWN ADDITIONAL PROPERTIES:
o Most recent mortgage statement(s) – as applicable
o Current fire insurance policy(ies)
o Current HOA statement(s) – as applicable
o If rental property is owned, provide Federal Tax returns (state returns not necessary) for the most recent filed tax year
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SPECIAL CIRCUMSTANCES:
o Copy of FINAL Divorce Decree and Property Settlement Agreement OR Filed separation papers
o Proof of child support/alimony receipt – 6 mos. bank statements or 6 months cancelled support checks from spouse
o Copy of Trust Agreement if you plan to hold title in the name of your Living Trust
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Note that additional documentation can be required throughout the process of the loan. Your documentation can be delivered through fax, email, secure upload or physical copies can be left in our drop-box located at our office.