List of documents needed to complete the loan process

Mortgage Checklist

What to bring for all Loans:

  • Unexpired photo ID for each borrower
  • Social Security Card (acceptable alternatives: Passport or Birth Certificate)
  • Most recent pay stubs (showing 30 days of income)
  • Most recent W2s/1099s (for the previous 2 years)
  • Most recent Federal tax returns with all schedules (for the previous 2 years)
  • Most recent Bank Statements/401k/Retirement Accounts/Investment Accounts (for the previous 2 months) **all pages in numbered sequence**
  • Must fully source ANY large deposits, except payroll direct deposits
  • Home Owner’s Insurance agent’s contact information
  • Current Mortgage/HELOC statements, insurance, and property tax information for any currently owned properties

What to bring if you:

Are Refinancing

  • Current Mortgage
  • Copy of Note(s) for 1st mortgage & Home Equity
  • HOA payment information (if applicable)

Are Self Employed

  • Business License
  • Business Bank Statements (for the previous 2 months)
  • K-1s

Are a Veteran

  • Veteran’s DD214
  • Disability Documentation (if applicable)

Are Retired

  • Pension/Retirement Income (proof of receipt on bank statements)
  • Social Security Income (proof of receipt on bank statements)

Are an Investor

  • All current mortgage/loan statements for all properties
  • Property Tax Information for all properties
  • Homeowner’s Insurance Information for all properties
  • All current leases

Have been involved in a bankruptcy

  • Initial Filing Paperwork with a complete list of creditors
  • Discharge Paperwork
    **For Chapter 13 bankruptcies: 12 month pay history from Trustee**

Have been involved in a divorce

  • Divorce Decree
  • Child Support Orders
  • Alimony
  • Proof of wages being garnished/Deposits of funds into Bank Statements