Document Checklist

What Do You Need?

The first step to a successful mortgage application relies on your submitting the necessary documentation. Having these documents up front during the pre-qualification process will allow us to move through the process swiftly and more accurately, and to get to the closing table on time.

Click here for a printable copy of the Loan Document Checklist

Proof of Identity

  • Driver’s License
  • Social Security Card
  • Permanent Resident Alien ID Card (if applicable)
  • Employment Authorization Card (if applicable)
  • Visa (if applicable)

Proof of Income

  • 2 Current Pay Stubs (at least 1 dated within 30 days of your closing date)
  • W-2 forms and Federal Tax Returns (all pages and schedules) for the previous two years
  • If Self-Employed: Signed copies of your Personal and Business Tax Returns (all pages and schedules) for the previous 2 years
  • Proof of Social Security, Disability, or Retirement Income that will continue for a minimum of 3 years
  • Awards Letters & 1099’s
  • Rental Income: Current Rental/Lease Agreements if you own rental property

Proof of Assets

  • 2 Current Bank Statements for all accounts (all pages) – or a 60 day account history showing your name, account number and available balance. If getting these printed out at your bank, every page must be Signed, Stamped, and Dated by the Teller
  • Current Asset Statements for IRAs, 401Ks, Stocks, Bonds, Mutual Funds, etc. (all pages, even if blank)
  • Gift Funds Documentation – If you are using gift funds for assets to close, please provide a Gift Letter signed by all parties as well as a copy of the canceled gift check, wire receipt or account statement proving the funds came from the donor’s account, and documentation that the gift funds are currently available in your bank account.

Contract for Purchase of New Home

  • Real Estate Purchase Contract (signed by all parties)
  • Photocopy of the Earnest Money Check (if applicable)

Proof of Previous Sale of Home

  • Real Estate Sales Contract if selling your current home
  • Signed Settlement Statement (HUD-1) if your home has been sold in the past 3 months

Contacts During Your Mortgage Transactions

  • Name of Title Company handling your closing (when determined)
  • Homeowner’s Insurance Binder from your insurance provider
  • Name and phone number of your Real Estate Agent

Miscellaneous Items (if Applicable)

  • Final Divorce Papers or Separation Papers (all pages)
  • Copy of Bankruptcy Petition (all pages), Discharge, and a written explanation
  • Veterans: VA Certificate of Eligibility and/or Separation Papers (Form DD214)
  • If there are no liens on your home(s), please provide the tax and home owners insurance information