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Mortgage Loan Checklist

Loan Checklist

Valid photo identification

Pay stubs - copies of most recent (for 30 day period)

W-2's - copies of most recent (for 2 year period) 2017-2018

Tax Returns - Entire Federal Tax Returns for previous 2 years and all schedules (including K-1), if you filed:

→ Any extension filed - then W-2s and returns are required, all pages
→ Self-employed - current year to date Profit and Loss and Balance Sheet - (signed)
→ Ownership in a corporation or partnership - need K-1 and complete S Corp returns

Bank statements - copies of 2 most recent monthly statements for checking, savings, CD's, IRA, 401-K & investment accounts (all pages)

Copy of Purchase Sales Contract w/Escrow Deposit - when signed

Divorce Decree, Quit Claim Deed and Settlement Agreement

Full Bankruptcy Papers and Discharge Notice

Documentation for any short sale, foreclosure or loan modification in the last 7 years

DD 214 and Certificate of Eligibility (VA)

Name and phone number for Employment Verification

A copy of the signed real estate contract, if you've already made an offer on a home.

Resident alien card, front and back if applicable.

 

 

Refinance Checklist

Copy of Warranty Deed

Copy of Owners Title Insurance Policy

Copy of Homeowner's and Flood Insurance Policy

Copy of Property Survey

Copy of Mortgage Payment Coupon (also 2nd mortgage coupon if this applies)

Association or Condo payment coupon

 

 

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