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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/ will sell your current home, copy of settlement statement (HUD-1).

Income & Assets

Pay stubs for the last 30 days.
For the past two years:

Names and addresses of each employer.

W-2s (ALL employers)
Statements for each bank, mutual fund, and/or investment account for the last two months.
If you have made any large deposits to your accounts:

Explanation and source for deposit (copies of deposited items).

If large deposit was a gift:

Signed gift letter (lender can supply).

Copy of gift check.

Copy of deposit receipt.
If you own more than 25% of a business:

Corporate or partnership tax returns (2 years).
If self-employed:

Tax returns for the last two years (with all schedules).

Year-to-Date Profit and Loss Statement prepared by an accountant. (May not be required)
If you own rental property:

Tax returns for the last two years and current rental lease 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 three months of cancelled child support checks or bank statement showing deposit of child support income.


Explanation of credit report anomalies, including:

credit inquiries in the last 120 days, explanation of credit inquiry reason, the result, and if you took out new debt, copies of credit arrangements.

Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers, including discharge).


       Late payments, , charge-offs, collections, judgments and/or liens. (may need to be addressed or have payment arrangements made depending on your loan needs).

VA Loans

Copy of DD Form 214.


Photo ID and proof of Social Security number.
Residence addresses for the past two years.
If you are not a citizen, a copy of the front and back of your green card.