In an effort to prepare for your loan application appointment, below is a checklist of documentations that your loan officer may request.

1. Identification
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Current photo identification (driver’s license or ID card) for each borrower
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Social security card
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Resident alien card

2. Income
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Current pay stubs (one full months)
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W2s/1099s (last two years) and names and addresses of each employer
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Evidence of social security/retirement income (i.e. copy of check or award letter)
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Federal tax returns, with all schedules/attachments (last two years)
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Partnership/corporate tax returns (last 2 years)
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Signed year-to-date profit and loss statement
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K1s for all partnerships
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Evidence of child support income (i.e. 12 months cancelled checks)
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Rental agreements on all rental properties

3. Assets
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Bank statements, all pages (last two to three months)
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Money market statements (last two to three months)
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401k statements
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Original gift letter
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Copy of transfer of gift funds to escrow or your bank account (ask us first)
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Verification of donor’s ability to give gift funds (i.e. bank statement)
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Copy of current mortgage Note (refinance only)
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Declaration page from current hazard
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Insurance policy or preferred insurance provider

4. Credit
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Landlord addresses (last two years)
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Complete divorce settlement document
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Complete bankruptcy papers
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Explanation of derogatory credit
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