Home Loan Checklist
 
  1. Declaration page of Home Owner's Insurance Policy
  2. Drivers License & Social Security card
  3. All pages of the Promissory Note on your current 1st mortgage
  4. Mortgage Coupon or copy of your Monthly Mortgage Statement
  5. Warranty Deed /Deed of Trust
  6. Completed Loan Application
  7. Signed and dated by all loan applicants

Income Documents

Hourly or Salaried Employment:
Original W-2 for the last 2 years AND
Copy of Original paycheck stub showing year-to-date income (1 month worth of paystubs)

Self-Employment, Sole Proprietor/Owner/ President:
Complete copy of last 2 years 1040's federal tax return
Copy of year-to-date Profit and Loss statement

Original W-2 or 1099 for the past year (if applicable)

Original paycheck stub showing year-to-date income (if applicable)

Retirement Income:
Original Social Security Award Letter or Pension Award Letter
2001 & 2002 1099's

Rental Income:
Copy of lease or rental agreement for all properties (I year)
Copy of complete tax return for previous year (including Schedule E)

Other Income (For child support, alimony or separate maintenance, provide):
1-year history of receipt AND
3 months bank statements showing the deposit
copy of the fully executed divorce decree, if applicable AND
Evidence of 3-months to 1 full year (depending on underwriter) of receipt of payments

Asset Documents
3 most recent account statements for all checking, savings or other asset accounts

Purchase Loans
A copy of the fully executed purchase contract
Rental History for 24 months (if first time home buyer)

*Additional documents might be required.


 


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