Home Loan Checklist
Documents required vary from loan to loan, but generally the following are required, often for up to two years back.
Personal identification.
Green Card(s) (if applicable)
Most recent 30 days of consecutive pay stubs
Most recent two years W-2’s
Most recent two years personal tax returns – with all supporting schedules
Most recent two years business tax returns for all business in which the applicant(s) owns 25% or more of the company– with all supporting schedules
All K-1’s for the two most recent years
Most recent two years of 1099’s – for social security, pension, annuities, etc.
Most recent Social Security Benefits letter
Most recent two consecutive checking, savings and investment account statements – with all pages
Employment history for the last two years
Residency history for the last two years with name and contact information for the landlord(s)
Purchase contract that has been executed by all parties – with all pages and addendums
Bankruptcy discharge and possibly the actual filing – with all pages
Divorce decree and property settlement agreement – with all pages
All relevant documentation in connection with a foreclosure, short sale or Deed in Lieu of Foreclosure
Owner’s title insurance policy on subject property (only for refinancing)
Prior survey of subject property (only for refinancing)
Most recent hazard/windstorm and/or flood insurance declaration page(s) on the subject property (only for refinancing)
Most recent mortgage statement(s) on loan(s) to be paid off on subject property (only for refinancing)
Note: This is not a comprehensive list and needs will change depending on type of loan.