Loan Checklist

In an effort to prepare for your loan application appointment, below is a checklist of documentations that your loan officer may request.


  • Current photo identification (driver’s license or ID card) for each borrower
  • Social security card
  • Resident alien card


  • Current pay stubs (1 full month)
  • W2s/1099s (last 2 years) and names and addresses of each employer
  • Evidence of social security/retirement income (i.e. copy of check or award letter)
  • Federal tax returns, with all schedules/attachments (last 2 years)
  • Partnership/corporate tax returns (last 2 years)
  • Signed year-to-date profit and loss statement
  • K1s for all partnerships
  • Evidence of child support income (i.e. 12 months cancelled checks)
  • Rental agreements on all rental properties


  • Bank statements, all pages (last 2 to 3 months)
  • Money market statements (last 2 to 3 months)
  • 401k statements
  • Original gift letter
  • Copy of transfer of gift funds to escrow or your bank account (ask us first)
  • Verification of donor’s ability to give gift funds (i.e. bank statement)
  • Copy of current mortgage Note (refinance only)
  • Declaration page from current hazard
  • Insurance policy or preferred insurance provider


  • Landlord addresses (last 2 years)
  • Complete divorce settlement document
  • Complete bankruptcy papers
  • Explanation of derogatory credit