Loan Application Checklist

In general, the documentation you will need includes:
Uniform Residential Loan Application

Property Information (if you already have a contract on a house)
Purchase Agreement
Copy of Good Faith Deposit 
If you are selling your current home, copy of listing contract
If you have sold your current home, copy of settlement statement (HUD-1)

Income & Assets

Pay stubs for the last 30 days
  For the past two years:

Tax returns (1040s)

Statements for bank, mutual fund, and/or investment accounts for the last two months
Estimated value of personal property and furniture
  If you have made any large deposits to your accounts:

Explanation and source of deposit

If large deposit was a gift:

Signed gift letter

  If you own more than 25% of a business:

Corporate or partnership tax returns
  If self-employed:

Tax returns for the last two years with all schedules

Year-to-Date Profit and Loss Statement
  If you own rental property:

Tax returns for the last two years and current rental agreements
  If you are retired:

Pension Award Letter
  If you receive Social Security:

Social Security Award Letter
  If you are counting child support as income:

Copy of divorce settlement

Copy of twelve months of cancelled child support checks


Names, addresses, account numbers, balances and monthly payments on all current loans
Explanation of credit report anomalies, including:

Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens

Bankruptcy filed within last seven years (supply a copy of your bankruptcy filing and discharge)

VA Loans

Copy of DD Form 214, Report of Separation


Photo ID 
Residence addresses for the past two years
If applicable, a copy of your divorce decree
If you are not a citizen, a copy of the front and back of your green card



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