Use our Mortgage Application Checklist to make your next home loan easy. Your home loan is a team effort, so a mortgage checklist helps make closing your home loan a smooth process. Use this list to aid in organizing your process as you collect your mortgage paperwork. Mark the items off as soon as possible and return them with your documents so we can get your file started right away!

Download The Mortgage Checklist PDF

What Will I Need For My Mortgage Application?

  • Driver’s license
  • Copy of the purchase contract and/or sales contract (when applicable)
  • Two (2) years of W2s
  • Personal and business (if applicable) filed federal tax returns for the last two (2) years; include 1099s and K1s (if applicable) as well as all pages and schedules, signed and dated
  • Two (2) months bank statements for all checking, savings, and investment accounts; provide all pages even if they are blank
  • Explanation for any large deposits on bank statements (except for occupational income)
  • Most recent 30 day pay-stubs/proof of income
  • Social Security award letters and pension income documentation
  • Investment account statement with all pages
  • Credit inquiry letter stating why credit was pulled and if new debt occurred
  • Brief explanation for change in employment/income (if applicable)
  • Name and contact information of current landlord
  • Fees at application: FHA $_______ Conventional $_______ USDA $_______ VA $_______
  • DD214 VA Form
  • Bankruptcy papers with discharge paperwork (if applicable)
  • Full divorce decree (if applicable)
  • Proof of twelve (12) mos. receipt of child support (if applicable as divorce decree alone is not enough)
  • Recent mortgage statement
  • Tax bills showing paid property/school taxes, homeowners insurance, homeowners association dues
  • Please provide legible copies of all lease agreements for all rental properties owned (if applicable)
  • Provide realtor’s name and contact information

What Will I Need After My Mortgage Application?

  • Once your earnest money check clears your bank account, we will need a bank statement, or printout stamped and signed from the bank, going back to the date of your last statement to show the clearing of the check and most current balance
  • Get quotes on home owners insurance along with proof of premium

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