Mortgage Checklist

This list provides the information and documents you will need to bring to your loan application appointment.

 Standard Documents (Purchase or Refinance)

  • Pay stubs covering the last 30 days
  • Full Tax Returns and W-2’s for the last 2 years
  • Credit Union/Bank Statements for the past 2 months

Miscellaneous Items (If Applicable)

  • Divorce documents including, Petition, Final Decree, Settlement Agreement
  • Documented child support payments for the last 12 months (only if you want the income to be considered)
  • Bankruptcy documents including, Petition and Final Discharge with a letter of explanation regarding the bankruptcy
  • If self-employed or commissioned complete tax returns covering the past 2 years
  • Corporate tax returns for the past 2 years if your business has been incorporated
  • Year-to-date financial statements to include, Profit & Loss Statement and Balance Sheet
  • Letter of explanation regarding derogatory credit

Purchase

  • Final purchase contract with all addendums signed by buyers, sellers and realtors

Refinance

  • Warranty Deed
  • Owners Title Policy
  • Survey
  • Homeowners Insurance Policy
  • Current property tax bill
  • Mortgage Statement
  • Copies of bills you intend to payoff (if applicable)

 
Additional documents or updates may be required at a later date
 
The appraisal fee of $600.00 is an upfront cost