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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.

Home Loan Checklist: Text
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