This list will help you gather information and documents for your mortgage application, to help get the mortgage process off to a fast and efficient start. Please note: we need this information for each applicant.

If you have any questions or need assistance, please talk to one of our Mortgage Consultants.

Personal Identification

• Copy of your Driver’s License
  
• Copy of your Social Security Card
  
• Copy of your Permanent Resident Card or Visa, if applicable

Income Information

• Copies of your W-2 forms for the past 2 years
  
• Pay stub(s) for the last 30 days, showing year-to-date and current period earnings
  
• Proof of Social Security or Pension Income, if applicable
  
• Copy of divorce decree, separation agreement, or property settlement agreement, if applicable
  
• Proof of child support/alimony income, if you want to have it considered as qualifying income

If you’re self-employed:

• Copies of your signed Federal 1040s for the past 2 years (all schedules and all pages)

Asset Information

• Copies of your statements for past 2 months, or your last quarterly statement, for all checking, savings, IRA, 401(k) or other retirement program, stock and mutual fund accounts (all pages)

If you are receiving money from a relative for the down payment:

• Copy of gift letter (mortgage consultant will provide a form to you)
  
• Proof of the donor’s ability to give funds
  
• Documentation of your receiving the funds

If you are selling Real Estate and the proceeds will be used for the down payment:

• Copy of the executed sales agreement
  
• Copy of the HUD-1 Settlement Statement

If you own Real Estate other than your primary residence:

• Street address
  
• Current market value
  
• Lender’s name and account number
  
• Property taxes and insurance costs
  
• Proof of any rental income (current leases and/or all pages of last 2 years tax returns)

Residence Information

• Street address of every residence you have lived in during the past 2 years

If you are currently renting:

• your current landlord’s name(s), address and phone number

Miscellaneous Information

• Name and telephone number of closing attorney and/or title company
  
• Homeowner’s insurance agent and telephone number
  
• Explanation(s) of any derogatory credit
  
• Explanation(s) of any gaps in employment

For a Purchase Transaction

• Copy of your signed and executed purchase agreement and all addenda
  
• Copy of your cancelled deposit check
  
• Your Realtor’s name and telephone number

For a Refinance Transaction

• Copy of your monthly statement for the current mortgage
  
• Copy of survey, title policy, and homeowner’s insurance
  
• Copy of your monthly statement for any Equity Loans or Lines of Credit, if applicable
  
• Copy of your mortgage note (for FHA and VA Loans only)

Veteran’s Administration Loan Applicants

• Military discharge papers (Form DD214), if applicable
  
• Certificate of Eligibility

Please contact us if you have questions or if we can help you in any way.