Document Checklist

A properly documented loan application makes your loan process go smoothly.
This checklist will help you gather your paperwork.

Choose to complete our ONLINE APPLICATION (preferred method) , or DOWNLOAD PDF and sign the residential loan application, Form 1003, and the attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application, cross it out, and make a change. Do NOT use whiteout, especially if you choose to APPLY ONLINE , as that will certainly damage your screen :-)

(Note: provide copies of all requested documents. Do not provide original documents.) 

W-2's for 2 Years / 1 Month Paystubs

if you are a salaried employee

If you are salaried: provide W-2's for the previous two years and one month of paystubs.

2 Years Tax Returns / Schedules / YTD P & L Statement

if you are self- employed

If you are self-employed, provide tax returns for the previous two years, including all schedules, and a YTD profit and loss statement.

- If you own rental property, provide recent rental agreements and tax returns for the previous two years, including all schedules.

- To speed up the approval process, provide bank statements for the most recent three months, and recent statements for stock, mutual funds and IRA/401K accounts.

- If you are requesting a cash out refinance, provide a letter explaining how you will use the refinance proceeds.

- If applicable, provide a copy of your divorce decree and settlement agreement.

- If you are NOT a US citizen, provide a copy of your green card (front & back).

-  If you are NOT a permanent resident provide a copy of your H-1 or L-1 visa.

- If any borrower has filed bankruptcy, provide the Discharge Notice, Filing and Schedule of Creditors.

- If you are applying for a home equity line of credit or loan (second loan), also include your first mortgage note. (This should be with your closing loan documents.)

What physical documents will I need to secure a loan?

This checklist outlines the principal documents and information that are generally required to complete the application. Additional documentation may be required, depending on the circumstances of your loan. By having the information available, you will save time and avoid delays.

  - Copy of Purchase Sales contract or Offer to Purchase and all addenda (signed by buyer and seller)

  - Past 2 years' tax returns and W-2s Past 2 years' employment history

  - Last 3 consecutive paycheck stubs (5 if paid weekly)

  - Name, address, and phone for past 2 years' residence(s) and landlord(s) (if renting, evidence of 12 months' rent     payments)

  - Last 3 months' statements for savings, checking, CD, money market accounts, etc.

  - Recent statement on retirement accounts (IRA, 401k, 403-B, Annuity, etc.)

  - Monthly payments and balances on all open accounts
  - Proof of all additional income Divorce Decree (if applicable) Bankruptcy schedules/Discharge papers (if applicable)