Loan Process

Application Checklist

Below is a list of documents that we need when you apply for a mortgage. This is a preliminary list and you may be required to provide additional documentation once the loan process is started.

  • Income Documentation
    • 2 years W-2’s
    • 2 years tax returns – Business and personal
    • Most recent 30 day paystubs
    • Proof of retirement income – SS and Pensions (direct deposit & awards letter)
    • If receiving child support or alimony we will eventually need proof of receipt for the past 12 months plus a copy of the divorce decree
    • Letters explaining any gaps in employment for the past 2 years 
  • Assets Documentation
    • 2 months most recent bank statements & investment account statements
    • 401K statement and terms of withdrawal 
  • Purchase Contract – all pages
  • Borrower ID’s (Driver’s License and SS card – must be legible)
  • Work Visa or Green Card
  • If a refinance copy of current home owners insurance and flood policies