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) 


  • Pay stubs 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)
    • 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