Application Checklist

Below is a list of documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, be cooperative and provide the information requested as soon as possible. It will help speed up the application process.

Your Property

  • Copy of signed sales contract including all riders
  • Verification of the deposit you placed on the home
  • Name and  telephone numbers of realtor.

Your Income

  • Copies of your pay-stubs for the most recent 30-day period and year-to-date
  • Copies of your W-2 forms for the past two years
  • Two years of taxes

If self-employed or receive commission or bonus, interest/dividends, or rental income:

  • Provide full tax returns for the last two years. If you have filed an extension, please supply a copy of the extension.
  • K-1's for all partnerships and S-Corporations for the last two years 

If you will use Alimony or Child Support to qualify:

  • Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last year

If you receive Social Security income, Disability or VA benefits:

  • Provide award letter from agency or organization

Source of Funds and Down Payment

  • Sale of your existing home - provide a settlement/Closing Statement
  • Savings, checking or money market funds - provide copies of bank statements for the last 3 months
  • Stocks and bonds - provide copies of your statement from your broker or copies of certificates
  • Gifts - Provide Gift Letter

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