Mortgage Documents Checklist

Please print and use this checklist to help you complete the mortgage application process. Here are things you’ll need. In some cases, we may ask you for additional information.

Application – Use our online application, apply by phone or request an application by mail by calling us at (804) 323-6000, ext. 1017, or (800) 285-5051, ext. 1017.

W-2 forms for the previous year and pay stubs showing 30 days of pay history.

An explanation for any gaps in employment.

If self-employed or commissioned: federal income tax returns for the past two years.

If you receive pension, disability, Social Security or VA Administration benefits: federal income tax returns for the past two years or a copy of the award letter and evidence that payments are received.

If you receive rental income: a copy of the lease. If you own two or more rental properties, provide Schedule E from your federal income tax returns for the past two years.

If you receive income from notes receivable or a trust: copy of the note or trust.

Most recent bank statement (including checking, savings, money market accounts and loans) for any non-VACU accounts. Include all pages of your statement.

If you are renting: the name and address of your landlord.

A copy of the accepted sales contract for the subject property.

If you are applying for a VA loan: your Loan Guaranty Certificate.

Optional: Consider applying for a Home Equity Loan or Line of Credit when you apply for a first mortgage, for funds for furniture, appliances and redecorating. You pay no closing costs; property insurance is required. See additional information and rates

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

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