Mortgage Loan Checklist

• Draft/Check (for appraisal fee and for mortgage credit report fee).
• Resident addresses for past 2 years. If rented, name and address of landlord.
• Home and work phone numbers.
• Name, address and phone number of current employer(s).
• Accurate gross income information (current pay stubs for the last 30 days), along with W-2 Forms from previous two years.
• Social Security and/or other benefits award letters.
• Self-employed or commissioned or rental property income (tax returns for previous 2 years, year-to-date profit & loss statement and lease agreements).
• Divorce decree(s).
• Proof of child support for past 12 months.
• Addresses, account numbers & current balances for all checking, savings & other deposit accounts.
• Copies of bank statements from previous 2 months.
• Verification of vested interest in retirement fund(s).
• Addresses, account numbers, current unpaid balances and monthly payment amounts of all debts.
• Proof of all real estate owned and existing mortgages.
• Copies of Warranty Deed, Home Equity Deed of Trust, Title Policy, Survey, Homeowners/Hazard/Fire Insurance and Annual Property Tax Information (refinance transactions only).
• Verification of existing mortgage balance, name, address and account number.
• Signed copy of Earnest Money Contract/Receipt for earnest money and proof that check has cleared (purchase transactions only).
• VA Purchase Only - Form DD214 (Member Copy 4) or continuous Active Duty Statement on official military letterhead signed by the Commanding Officer.
• FHA Purchase Only - Copy of borrower(s) Social Security Card and driver's license or valid ID.