DOCUMENT CHECKLIST

Have questions? Here's what you need to know:

As you may know, a great deal of paperwork is required to obtain a mortgage. In an effort to help you stay organized, we've put together a checklist of the documents you'll be required to present throughout the process. Please see the guidelines below to get a feel for the type of information you will need to provide as we work to establish your loan.

Stand out from the crowd

Document Checklist

Have questions? Here's what you need to know:

Standard Documentation

The following documentation is usually required during the loan process:

  • Most recent 30 days of pay stubs from all jobs
  • Most recent 2 months of bank statements
  • Most recent 2 years of W-2s from all jobs
  • Most recent 2 years of Federal Tax Returns if you file a schedule C, E or F or claim employee business expenses
  • Copies of state issued picture ID

Documentation if Applicable

The following additional documents may be required if they apply to you:

  • Bankruptcy discharge papers & copy of Bankruptcy Petition with all schedules if discharged in last 7 years
  • Foreclosure documentation (Sheriff Sale Deed)
  • Divorce decree if ongoing financial obligation or property award is involved
  • Social Security award letter
  • Income Award letters (social security, pension, VA disability)
  • Current 401k, IRA or investment account statement

VA Loans

If you are a veteran applying for a VA loan, the following documentation will be required:

  • Copy of DD214 if discharged from the military within the last two years.
  • Copy of LES if using military pay to qualify
  • Proof of any additional military/VA pay

Good to know

Please keep in mind:

  • Documents must be submitted in their entirety
  • We always need consecutive documents
  • If you have received a financial gift to help with your down payment, the donor will need to fill out a gift letter and provide a bank statement to verify they have sufficient funding