Document Checklist

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Document Checklist

Basic Outline of Documents Needed:

  • Copies of W-2s for the past two years;
  • Copies of the two most recent consecutive pay stubs showing year-to-date earnings;
  • Copies of checking and saving account statements for past three months (all pages);
  • Copies of quarterly or semi-annual statements for checking, savings, IRAs, CDs, money market funds, stocks, 401k, profit sharing, etc.;
  • Copy of sales contract when ratified;
  • Employment history for the previous two years (include explanations for any gaps in employment).
  • Residency history during the past two years, with name, phone number, address and account number of land or mortgage company; for rental property, copies of leases;
  • Canceled earnest money check when it clears or corresponding bank statement, if applicable;
  • A check to pay for your appraisal and credit report if required.
  • Refinance copy of note, deed of trust, settlement statement, survey and insurance information;
  • Documentation of any assets used for down payment, closing costs and cash reserves.
  • If paid off mortgage in the past two years, need copies of HUD1;
  • Copy of driver’s license for applicant and co-applicant(s);
  • Copies of your past two years’ tax returns;
  • Copy of Social Security Card for each applicant and co-applicant(s).

Required documents if you’re self-employed:

  • Copies of your past two years personal tax returns (with all schedules, including K-1’s if applicable);
  • Copy of current signed and dated profit and loss statement and balance sheet;
  • Copy of corporate/partnership tax returns for last two years if owning 25% or more of company plus copies of W-2s and/or 1099 forms.

Required documents for FHA,VA Loans:

  • FHA: Copy of Social Security Card and driver’s license for each applicant and co-applicants;
  • VA: Original certificate of eligibility and copy of DD214 discharge paper;
  • VA: Name and address of nearest living relative.
  • FHA/VA: If refinance, copy of Note for loan being refinanced

Additional document requirements, if applicable:

  • Relocation agreement if move is financed by employer (i.e. buyout agreement plus documentation outlining company-paid closing costs benefits);
  • If you’ve had a previous bankruptcy, bring copies of petition for bankruptcy and discharge, including supporting schedules;
  • Divorce decree;
  • Documentation of Social Security, retirement or trust income. Copies of direct deposit bank statements, awards letter or other evidence of continuing income are acceptable.