Personal
Home Loan Checklist
Current Address
- Residence for the past two years; if renting, provide landlords' names, full addresses, and phone numbers
Employment Records
- Copy of your most recent year-to-date pay stub
- Copies of your W-2s for the last two years
- Names/Addresses of employers for the past two years
- If self-employed: Two (2) years signed and completed Federal Income Tax Returns
- Profit and Loss statement
- Year-to-date balance sheet
Cash Assets
- Bank information including: account numbers, balances, name and address of banking institution
- Copies of three months bank statements for each account verified
Other Assets
- Estimated market value of your personal household items
- Make, year and value of all motor vehicles
- Estimated market value of real estate owned - if property is to be sold, or has been sold within the last six (6) months, we will need a copy of the purchase agreement and/or settlement statement
- Amount of life insurance coverage and cash value (if any)
- Estimated market value of retirement funds
- Estimated market value of stocks and bonds
Current Liabilities
- Account number
- Current Balance
- Monthly Payment
Miscellaneous Items
- Original executed sales contract
- Copy of the listing sheet from the REALTOR®
- Divorce decree, if applicable
- VA applicants: copy of DD214 or original statement of service and a certificate of eligibility
- First Time Homebuyer Program applicants: Last three (3) years' Federal tax returns (signed) with W-2's and Property addresses of the last three (3) years' residences and include landlord's name, full address, and phone number
- If you are applying for a refinance: Proof of homeowner's insurance coverage amount, premium amount, and most recent statement for the mortgage loan(s) you are refinancing.
