Loan Application Checklist

In general, the documentation you will need includes:
Check for application fee

Property Information (if you already have a contract on a house)
Purchase Agreement.
Copy of legal description and MLS sheet.
If you are selling your current home, copy of listing contract.
If you have sold your current home, copy of settlement statement (HUD-1).

Income & Assets

Pay stubs for the last 30 days.
  For the past two years:

Names and addresses of each employer.

W-2s, 1099's, year end retirement income statements and signed copies of the two most recent IRS tax returns
Statements for each bank, mutual fund, and/or investment account for the last two months or most recent quarterly statement (all pages of each statement)
  If you have made any large deposits to your accounts:

Explanation and source for deposit.

If large deposit was a gift:

Signed gift letter (lender can supply).

Copy of gift check.

Copy of donor's bank statement to show the funds were available and have been withdrawn
  If you own more than 25% of a business:

Corporate, LLC or partnership tax returns.
  If self-employed:

Signed, complete tax returns for the last two years.

Year-to-Date Profit and Loss Statement & Balance Sheet may be required
  If you own rental property:

Tax returns for the last two years and current rental agreements.
  If you are retired:

Pension Award Letter.
  If you receive Social Security:

Social Security Award Letter.
  If you are counting child support as income:

Copy of divorce settlement or most recent court order

Proof of receipt of child support--three months bank statements showing direct deposit or print out from the State showing payment history


Name of creditors, balances and monthly payments on all current loans.
Explanation of credit report anomalies, including:

Late payments, credit inquiries in the last 120 days, charge-offs, collections, judgments and/or liens.

Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers), foreclosure or short sale dates.

VA Loans

Copy of DD Form 214, Report of Separation.


Photo ID and proof of Social Security number.
Residence addresses for the past two years.
If applicable, a copy of your divorce decree.
If you are not a citizen, a copy of the front and back of your green card.

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