Loan Document Checklist

Typical loan documents that are required.

  • Two years’ worth of W-2s
  • Two years’ worth of tax returns – all pages for BOTH personal and businesses owned
  • Most recent 30 days’ worth of paystubs (not applicable for self-employed borrowers)
  • Most recent complete formal statement for any 401k, CD, or stock account – all pages
  • Most recent 2 months of complete formal statements of account for all cash accounts (Checking, Savings, etc) – all pages (not transaction histories)
  • Copy of your driver’s license and Social Security Card (If you have one available)
  • If you are obligated to pay or receive child support or alimony, need full divorce decree and/or child support income deduction order
  • Mortgage Statement for any and all properties owned that have a mortgage with the taxes and/or insurance escrowed, if not escrowed then we will need Homeowner’s Insurance Declarations page and the most recent year’s property tax bill(s)
  • Pension awards letter
  • Social Security award letter (most recent year)
  • Bankruptcy papers, All pages of the filing and discharge (if discharged in the last 7 years)
For Refinance Transactions
  • Survey of your property – not required but saves you money if you can locate (shows boundary lines of your property)
  • Owner’s Title Insurance policy – would have been mailed to you from the original title company within 60 days of closing. Not required, but saves you money on your closing if you can locate
  • Homeowner’s Insurance Declarations Pages
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