Whether you are buying your first home, refinancing an existing loan, or investing in real estate, we can help you find the right loan to meet your needs.

Learning Center

Application Checklist

To begin processing your loan, we’ll need this information from the following mortgage application checklist.

Personal Information

Name of borrower and co-borrower
Social Security number(s)
Years completed in school
Marital status
Address of current residence, plus address of previous residence if you’ve been at your current residence less than two years
Number of dependents and birth date for each dependent
Employment Information

Loan Information

If purchasing a new home, price or estimated price of the property you are buying and down payment amount
Amount you would like to borrow.
If applicable, monthly homeowners dues

Property Information

Address of property (sometimes yet to be determined for purchases)
Type of property (single family, condo, land, etc.)
Use of property (primary residence, second residence, etc.)

Income information

All sources and amounts of monthly income including salary, bonuses, commission, dividends, interest, and retirement
Current expenses; housing, alimony, child support, and other debts
Real estate assets; location, value, loan amount, mortgage payments, and rental income
Other assets; bank accounts, stocks, bonds, insurance, and retirement funds

Documents

Submitting the right items from your mortgage application checklist will speed the process of determining if you qualify for the type and amount of loan you want. Should you fail to qualify, these mortgage application checklist items can often help your Loan Officer determine and present alternative financing options. Be prepared to submit the following along with your application:

Checking and savings account statements for the last two to three months.
Borrower and co-borrower pay stubs demonstrating earnings for the last 30 days and year-to-date earnings.
Last year’s W2 (and 1099, if applicable) if applicable for each borrower and co-borrower, plus federal tax returns for the last two years (or other proof of income and employment verification).
Divorce settlement papers (if applicable).
Credit card bills for the last few billing periods, or cancelled checks for rent or utility bill payments.
Documentation for debts such as car loans, furniture loans, student loans, and credit cards.
A gift letter if you are using a gift from a parent, relative, or organization to help with you down payment and/or closing costs.