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Application Checklist


Introduction:

Applying for a mortgage can be a smooth process with proper preparation. Here's a comprehensive checklist of documents typically required, though specific needs may vary.

Remember: Prompt cooperation in providing additional documentation speeds up the process.

Property Documents:

  • Signed Sales Contract with Riders
  • Proof of Home Deposit
  • Contact Information for Real Estate Professionals (Realtors, Builders, Insurance Agents, Attorneys)
  • Listing Sheet and Legal Description (if available)
  • Condominium Documents (Declaration, Bylaws, Budget - if applicable)

Income Verification:

  • Pay Stubs (Last 30 Days & Year-to-Date)
  • W-2 Forms (Past 2 Years)
  • Employer Contact Information (Past 2 Years)
  • Employment Gap Explanation (if applicable)
  • Work Visa/Green Card (if applicable)

Self-Employed/Commission/Bonus/Rental Income:

  • Full Tax Returns (Past 2 Years) & Year-to-Date Profit & Loss Statement
  • K-1s for Partnerships/S-Corporations (Past 2 Years)
  • Completed Business Tax Returns (if ownership ≥ 25%)

Alimony/Child Support Income:

  • Divorce Decree/Court Order with Proof of Receipt (Past Year)

Social Security/Disability/VA Benefits:

  • Award Letter from Relevant Agency/Organization

Source of Down Payment:

  • Sale of Existing Home: Signed Sales Contract & Statements (or Listing Agreement if unsold)
  • Bank Statements (Savings, Checking, Money Market - Last 3 Months)
  • Stock/Bond Statements or Certificates
  • Gift Affidavit & Proof of Receipt (if applicable)

Additional Documentation:

  • Debt Obligations List: Account Details & Statements (Last 3 Months)
  • Mortgage/Rent Payment History (Last 2 Years)
  • Alimony/Child Support Order (if applicable)
  • Application Fee Check

Important Note: This list is not exhaustive. Based on your application and credit report, further documentation might be requested. A consumer is not obligated to provide verification documents prior to receiving a Loan Estimate and indicating an intent to proceed.

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