Application Checklist
Documents Needed
Gather these items before starting your home purchase or refinance to keep your loan process fast and smooth.
| Document / Item | Purchase | Refinance |
|---|---|---|
| Identification Documents | ||
| Driver License | Required | Required |
| Permanent Resident Alien Card / Green Card | Required | Required |
| Income Documents | ||
| Salaried | ||
| Pay stubs for 2 recent pay periods | Required | Required |
| Last 2 years W-2 forms and 1099s | Required | Required |
| Last 2 years 1040 personal federal tax returns (all supporting schedules) | Required | Required |
| Self Employed | ||
| Current year's year-to-date profit and loss statement | Required | Required |
| 2 years of 1040 personal federal tax returns | Required | Required |
| 2 years of business tax returns (all schedules) | Required | Required |
| Year-to-date balance sheet | Required | Required |
| Most recent 3 months business bank statements | Required | Required |
| Other Income | ||
| Retirement benefit award letters (with proof of 3 years continuance) | Required | Required |
| Social Security award letter | Required | Required |
| Disability award letter | Required | Required |
| Divorce decree, child support order, and payment history | Required | Required |
| Asset Documents | ||
| Checking / savings statements for two recent consecutive months | Required | Required |
| Gift letter (completed and signed) and donor bank statement | Required | No |
| Retirement / stock / bond statements (minimum 60 days) | Required | Required |
| Terms and conditions for withdrawal access | Required | Required |
| Transaction-Specific Documents | ||
| Purchase | ||
| Purchase agreement with all addenda | Required | No |
| Earnest money check copy and escrow/title receipt | Required | No |
| Refinance | ||
| Mortgage statements for other properties owned | Required | Required |
| Current mortgage statement | No | Required |
| Homeowners insurance declaration page | No | Required |
| Tax bill / tax certificate | No | Required |
| Current homeowners association (HOA) bill | No | Required |
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