Loan Application Checklist

In general, the documentation you will need includes:
    *  Property information (if you already have a contract on a house)
    *  Purchase agreement
    *  If you are selling your current home, copy of listing contract
    *  If you have sold your current home, copy of the settlement statement (Hud-1)

     *  Paystubs for the most recent 30 days
     *  Names and addresses of each employer for the past two years
     *  W-2's for the past two years
     *  If you are self-employed or own more than 25% of a business, include:
        Two years personal tax returns (all schedules); corporate or partnership returns
        (all schedules) and year to date profit and loss (if necessary)
     *  If you own rental property:  Personal 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;
        copy of twelve months canceled checks

     *  Statements for each bank, mutual fund and/or investment accounts for the last
        two months
     *  If you have made any large deposits to your account:  Explanation and source
        for deposit
     *  If large deposit was a gift:  Signed gift letter (lender can supply); copy of gift
        check; copy of deposit receipt

     *  Names, addresses, account numbers, balances and monthly payments on
        all current loans
     *  Explanation of credit reporting anomalies, including:  Late payments;
        credit inquiries for the last six months; charge offs; collections; judgments
        and/or liens
     *  Bankruptcy filed within last seven years:  Bring a copy of your bankruptcy papers

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

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