Use this handy checklist to gather documents for your home loan.
The documents listed here are general and may not include all documents specific to your home mortgage financing situation. Your mortgage consultant will inform you of any additional documentation that you may need.
30 days’ most recent pay stubs with year-to-date information for all jobs and for each borrower
Federal tax returns for the 2 most recent years (1040’s)
W-2 forms for the 2 most recent years
Written explanation if employed less than 2 years or gap in employment in last 2 years
Most recent 2 months asset statements listed on the application — all pages to each statement even if blank (Example: checking account, savings account, CDs, money market accounts, IRA, 401k, etc.)
If applicable, landlord name, phone number, and address
If you have any obligations due to legal action, for example child support, lawsuit judgment, bring in any judicial decree
If applicable, complete Bankruptcy papers including discharge papers — also provide documentation supporting circumstances leading up to the bankruptcy, if able
If applicable, credit explanation letter for any late payments, collections, judgments or other derogatory credit items
Documentation for any large deposits outside payroll or gift fund deposits shown on asset statements
If applicable, previous payments for: public utilities, phone company, cable, car insurance
Real estate agent information (if applicable)
Homeowner’s insurance information
Special Information, if applicable
Last 3 years’ complete Federal tax returns (both personal and business returns)
Year-to-date profit and loss statement
List of all business debts
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Credit is subject to approval. Some restrictions apply. This information is accurate as of date of posting and is subject to change without notice.