Purchase Document Checklist

The following items are required in order to complete your Mortgage Loan Application:

  1. Driver's license for all applicants

  2. Social Security card for all applicants

  3. Paystubs for the last 30 consecutive days for each applicant

  4. W2s for the last two years (for all jobs) for each applicant

  5. Personal federal income tax returns (including all schedules) for the last two years, signed/dated by each applicant (state returns not needed)

  6. Any and all current award letters for Social Security, disability, and/or pension(s) income

  7. Most recent two months checking and savings statements (must include financial institution, full name, full account number, and all pages - online screenshots not accepted)

  8. Most recent statements for any 401 (k), retirement, and/or investment accounts (must include name of financial institution, full name of borrower(s), full account number, and all pages - online screenshots not accepted)

  9. Complete purchase agreement (all pages and all addenda)

  10. Copy of cleared earnest money check (front and back)

  11. Realtor contact info

  12. Homeowner's insurance declaration page or agent contact info

  13. If applicable, completed gift letter and corresponding documents (donor's full bank statement, proof of transfer, recipient's full bank statement showing deposit)

  14. If applicable, complete federal business tax returns (including all schedules) for the last two years for the self-employed

  15. If applicable, a complete copy of the divorce papers

  16. If applicable, child support income - six months of bank statements showing receipt of income

  17. If applicable, bankruptcy and discharge papers

Refinance Document Checklist

The following items are required in order to complete your Mortgage Loan Application:

  1. Driver's license for all applicants

  2. Social security card for all applicants

  3. Paystubs for the last 30 consecutive days for each applicant

  4. W2s for the last two years (for all jobs) for each applicant

  5. Personal federal income tax returns (including all schedules) for the last two years, signed/dated by each applicant (state returns not needed)

  6. Any and all current award letters for Social Security, disability, and/or pension(s) income

  7. Most recent two months checking and savings statements (must include financial institution, full name, full account number, and all pages - online screenshots not accepted

  8. Most recent statements for any 401 (k), retirement, and/or investment accounts (must include name of financial institution, full name of borrower(s), full account number, and all pages - online screenshots not accepted)

  9. If applicable, complete federal business tax returns (including all schedules) for the last two years for the self-employed

  10. If applicable, a complete copy of the divorce papers

  11. If applicable, child support income - six months of bank statements showing receipt of income D. If applicable, bankruptcy and discharge papers

  12. Copy of mortgage note(s)

  13. Copy of most current mortgage statement(s)

  14. Homeowner's insurance declaration page or agent contact info