Mortgage lenders require borrowers to provide a multitude of documents in order to make accurate lending
decisions. This list will help you prepare for your loan application and enable the lender to process your file
efficiently.


SOCIAL SECURITY NUMBERS

  • Social security card and photo I.D.

RESIDENCE

  • Addresses for the previous 2 years (if renting, include landlord’s name and phone number)

EXISTING MORTGAGE (PRIMARY AND/OR INCOME PROPERTY )

  • Mortgage company name, address, account number and approx. balance; market value

EMPLOYMENT

  • Name, address, phone number of employers (current and previous 2 years)

INCOME

  • Most recent pay stub and proof of any additional income including benefits, dividends, social security,         retirement, rental income, etc.
  • Last 2 years W-2s and/or 1099s
  • If self-employed or commissioned, business/personal Income Tax Returns for previous 2 years                            (with all schedules) and year-to-date Profit/Loss and Balance Sheet Statements

CHECKING, SAVINGS AND INVESTMENT ACCOUNTS

  • Names, addresses, account numbers and approximate account balances
  • Last 3 month’s bank/savings account statements

INSTALLMENT AND REVOLVING DEBT

  • Names, addresses, account numbers, monthly minimum payment, balance (including zero balance accts)

LEGAL DOCUMENTS (IF APPLICABLE)

  • Leases on rental property owned
  • Settlement statements (previously owned property, sale of business, etc.)
  • Copy of divorce decree or bankruptcy with release
  • Documentation of child support/alimony
  • Transcripts from school if recent graduate

PURCHASE AGREEMENT

  • Copy of fully executed contract including addendums (signed by both the Seller and Buyer)
  • Copy of earnest money check

VA LOAN ELIGIBILITY

  • Certificate of eligibility if applying for VA loan; copy of DD 214
  • At time of loan application you will generally need to pay an application fee, appraisal fee and                              credit report.