Home Loan Checklist

Valid government issued identification and Social Security card.

Most recent pay stub that shows year-to-date earnings, no more than 30 days old.

Copies of your W-2's sent to you by all your Employers for the past two years.

Signed and dated copies of Federal tax returns, including all pages filed with the IRS for the past two years, such as worksheets, K1's, 1099's, etc., and a current year-to-date profit & loss and balance sheet.

Copy of your most recent award certificate and most recent check from the issuing agency.

Copy of the separation agreement or, if finalized, the divorce decree along with any financial obligation documents.

Copy of official documentation about the proceedings. Such documentation includes a copy of the bankruptcy discharge and schedule of both debts and assets.

Additionally, if there are judgments against you, the lender will require a copy of the original judgment, any payment agreements, or if paid, a copy of the release of judgment.

Company names, addresses, telephone numbers, and dates of your employment for the past two years.

Last two months Checking and Savings Account statements with all pages, Individual Retirement Accounts (401k's and IRA's), CD's, stocks, bonds, Life Insurance Policies with Cash Value, etc.

Copy of the last statement on any debt you may want to pay off at the loan's close.

Homeowners: Provide current mortgage statement(s), Homeowners Insurance declaration page, Property Tax bill, HOA statement.

Renters: Provide, Rental Agreement with Landlord contact info, copy of the current month's processed payment. Note: If your current residence doesn't cover two years, we require the address, any rental landord contact information, dates at the location, monthly payment, and if you rented or owned the property.