Loan Application Checklist


Employment History

  • Copies of all W2's from last two years
  • Copy of a full month most recent paycheck stubs
  • Copies of two years' tax returns and year-to-date P&L for self-employed borrowers, sales representatives, and commissioned people
  • Statement from courthouse showing child support payments
  • Award letter from Social Security of Permanent Disability

List Of Creditors

  • Name/account numbers of all credit cards
  • Name, address, and account numbers of all loans (auto, student, personal)
  • Recent two-year history for a present mortgage (name, address and account numbers)
  • Recent two-year history for rent (names and addresses of landlords)

Financial Information

  • Copies of three months of all bank statements, savings, checking, and Credit Union accounts
  • Stock certificates or Bonds (if used for closing)
  • Gift from a relative: Need a gift letter from donor, verification of donor's account that holds the funds, and proof of gift transfer
  • Purchase contracts on sale of present home and/or relocation agreement for transferee


  • Name and address of nearest living relative
  • Photo ID and Social Security Card
  • VA Loans: Certificate of Eligibility and copy of DD214 (Discharge papers)


  • Two-year address history for each borrower
  • Copy of cancelled earnest money check
  • Divorce decree (if applicable)
  • Copies of leases if rental property is owned by the borrower
  • Condominium documents
  • Application fee