In an effort to prepare for your loan application appointment, below is a checklist of documentations that your loan officer may request.

Identification

• Current photo identification (driver’s license or ID card) for each borrower

• Social security card.

• Resident alien card (If applicable)

Wage Earner Income

• Current pay stubs (30 days worth)

• W2s/1099s (last two years) containing names and addresses for each employer

• Evidence of social security/retirement income (i.e. copy of check or award letter)

Self-Employed Income

• Federal tax returns, with all schedules/attachments (last two years)

• Partnership/corporate tax returns (last 2 years)

• Signed year-to-date profit and loss statement

• K1s for all partnerships.

Miscellaneous Income

• Evidence of child support income (i.e. 12 months cancelled checks)

• Evidence of Disability income (i.e. copy of check or award letter)

• Rental agreements on all rental properties

Assets

• Bank statements, all pages (last two to three months)

• Money market statements (last two to three months)

• 401k statements.

• Original gift letter.

• Copy of transfer of gift funds to escrow or your bank account (ask us first)

• Verification of donor’s gift funds (i.e. 60 days worth of bank statements)

• Copy of current mortgage Note (refinance only)

• Declaration page from current hazard Insurance policy or preferred insurance provider

Credit

• Landlord addresses (last two years)

• Complete divorce settlement document

• Court order requiring child support

• Complete bankruptcy papers.

• Explanation of derogatory credit