Application Checklist

Application Checklist

The following information is usually required during the loan process. Not all documents may
be required for every situation. If you have any questions our staff will be happy to assist you.

Identification Documents:

  • Copy of your Social Security Card
  • Copy of your Driver’s License
  • Copy of your Resident Alien Card, if not a US Citizen

Income Documents:

  • Your IRS 1040 Tax Returns for the most recent two years include all schedules and attachments
  • If Self-employed- Year to date profit and loss statement, plus signed returns for the last two years
  • Your IRS Form W2’s and/or 1099’s for the most recent two years
  • Most recent consecutive 30 days’ pay stubs (if applicable)
  • If you receive any other income provide information- pension, social security, child support, stocks, bonds, dividend
  • Name, address, telephone numbers for all employment held during the past two years. If a gap of employment greater than 30 days exists, detail dates and reason for the gap

Asset Documents:

  • Bank statements for the most recent two months, be sure to provide all page’s front and back
  • Provide a source of funds for any large deposits not part of your employment income
  • Investment account statements for the past two months (if applicable)
  • Retirement account statements for the past two months (if applicable)
  • Copy of escrow check pursuant to a Purchase and Sale Agreement (if applicable)

Credit Documents:

  • Copy of Bankruptcy Discharge – all pages, front, and back (if applicable)
  • Copy of Divorce Decree and Settlement Agreement – all pages, front, and back (if applicable)
  • Copy of Child Support document – all pages, front, and back (if applicable)
  • Copy of Litigation – all pages, front, and back (if applicable)

If you currently own Real Estate:

  • Mortgage account statement
  • Homeowner’s/flood insurance policy
  • Home equity statement (if applicable)
  • Copy of most recent Survey (if applicable)
  • Owners Title Policy


  • Copy of fully executed Purchase and Sale Agreement with all addendums and copy of earnest money deposit
  • Certificate of Eligibility, if you are applying for a VA loan
  • Letters of explanation for any derogatory credit events such as foreclosure, short sale, judgments, collection, and/or late payments
  • Landlord information for the past two years: name, mailing address, phone number, email address
  • Paper Trail for Gift Funds: Talk about down payment with your Mortgage Loan Originator- if part of the money for your down payment or closing cost is coming from a gift, discuss with Mortgage Loan Originator. There are specific rules and instructions on how to handle gift funds
  • Additional monthly debt that is not reported on your credit report: IRS payments, child support, private loans, etc.

Loan Process Tips:

  • When asked for documents always provide them promptly, provide all page’s front and back, never cross out or alter the documents in any way
  • Documents often expire; therefore, you might be asked for updated documents during the process
  • Do not apply for new credit, or make huge purchases during the loan process
  • Start shopping around for homeowner’s and flood insurance quotes if applicable
  • All bank statements will be scrutinized and any funds outside of employment income will be questioned and an explanation of the source will be requested

To receive a loan estimate you need to submit only six key pieces of information

  • Your name
  • Your income
  • Your Social Security Number
  • Address of the home to plan to purchase or refinance
  • An estimate of the home’s value
  • The loan amount you want to borrow

Our passion for growing communities

Servicing the community is driven by our core values of commitment, integrity, and transparency. Many of our team members and most of our senior management have sat in every chair of the mortgage industry, providing us with a full understanding of the business from all aspects. This in-depth knowledge is what allows us to quickly and efficiently adapt to industry change, while constantly providing you with superior processes and first-in-class customer service.

We have leveraged technology to bring you a simple, straightforward, online stress-free mortgage application experience.

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