Mortgage Checklist

When you’re ready, our Mortgage Loan Officers are here to help you with your application. To start the process the MLO will ask you a series of questions in order to provide you with a Loan Estimate. This disclosure will help you to understand the terms of the loan and the cost of the loan.

Once you have reviewed the Loan Estimate and have given us your Intent to Proceed the Mortgage Loan Officer will ask you to provide supporting documentation.

Here’s some information we’ll need from you to support your mortgage loan application:

First Mortgage Checklist

  • Copy of W-2 form for prior two years
  • Copy of most recent pay stub dated within 30 days of the application
  • Copy of prior year personal Federal Tax Returns, including all schedules
  • Self-Employed: Copy of prior two years personal and business tax returns, including all schedules
  • Self-Employed: Signed Year to Date Profit & Loss Statement (applications dated after April 30th)
  • Retirement Income: Copy of Pension and/or Social Security Award Letter (or 1099’s)
  • Investment Distributions: Copy of investment statement showing the monthly disbursement and copy of account statement showing deposit of monthly disbursement
  • Copy of current mortgage statement for all mortgaged properties owned
  • Copy of current real estate tax bill for all properties owned
  • Copy of homeowner’s insurance declarations and flood insurance declarations for all properties owned (flood if applicable)
  • Copy of most recent two months of asset statements; with source and proof of any large deposits
  • Copy of Trust if property is held in Trust

Purchase Transaction

  • Copy of fully executed Purchase & Sales Agreement with Addendums
  • Copy of down payment check
  • Copy of bank statement showing the down payment check clearing the account

*Additional Documents may be requested