Loan Checklist

Thank you for the opportunity to be your home lender! To help us better serve you, we are providing the following list which includes the typical documentation needed to complete the mortgage process. After the documentation is reviewed, there may be more detailed documentation deemed necessary to complete the mortgage process.

By furnishing any and/or all of the documentation, an applicant is in no way obligated to accept the terms and conditions of the mortgage offered, nor does the applicant have to provide these documents to receive a Loan Estimate.

Identification Documentation

Copy of unexpired picture identification (e.g., Driver’s License, VISA, Passport, Military ID, or State Issued ID) for each applicant

Asset Documentation

Most recent two (2) months of bank statements, ALL numbered pages
Most recent two (2) months of brokerage statements, ALL numbered pages
Most recent two (2) months of retirement statements, ALL numbered pages
Terms of withdrawal for retirement accounts
Supporting documentation for any recent deposits not noted as automated payroll deposits

Most recent paystubs covering 30 days of income
Most recent two (2) years of W2s for all companies
Most recent two (2) years of Personal Federal Tax returns with all schedules (if requested by Loan Originator)

Most recent Profit / Loss Statement and current balance sheet
Most recent two (2) years of Personal Federal Tax returns with all schedules
Most recent two (2) years of Business Federal Tax returns with all schedules
Most recent two (2) years of W2s for all companies (if applicable)

Most recent Social Security 1099R Statement or Awards Letter
Any retirement statements as applicable
- 1099s
- Pension Statements
- Dividends Interest

Divorce Decree if Receiving Child Support or Alimony
- 6 months of proof of receipt of Child Support
  - bank statements
  - cancelled checks
1099s
Unemployment statements

Executed Purchase Contract/Agreement with all
- Property Disclosures
- Addendums
Copy of Earnest Money Check (a copy of the cleared check may be required as well, check with your Loan Officer)
If any deposits or funds for closing are from a Gift (e.g. from relative, employer, non-profit, etc.), then more documentation will be required depending on the loan program – check with your Loan Officer for a specific list for your chosen program
- Find out more about gift information here

Homeowners Insurance Agent and Company name
- The first years premium will need to be paid prior to or at closing

Executed Sales Contract/Agreement with all addendums for sale of current residence (if applicable)

Purchase contract for lot purchase (if applicable)
Signed construction contract with builder
Signed and notarized sworn statement
Blueprints
Builder completed New Construction Loan Checklist - request this from your loan originator

Trust Agreement(s) if property currently held in a trust
Condo Decs and Bylaws
HOA Letter
Documentation for any new credit not shown on the credit report
Divorce Decree if Paying Child Support or Alimony
Bankruptcy paperwork
Letter of explanation on derogatory credit including late payments, foreclosures, bankruptcies, collections, and disputed items in the last 2 years

Loan Checklist

Identification and Asset Documentation

Income Documentation
(as applicable) for each applicant

W2 Borrowers

Self-Employed Borrowers

Retired Borrowers

Additional Income Documentation
(as applicable)

Additional Loan Documenation
(as applicable)

Purchase Transaction

Refinance Transaction

Construction Loan
Includes Construction-to-Perm and Construction Only Loans

Rental Properties

Other Items as Applicable