Lending

What Documents Do I Need for My Home Loan Application?

Depending on the type of loan you are applying for, additional information may be required, or some of the following things may not be needed for your loan. Much of the information is covered in the loan application that you can download from our site. For your convenience, you can print this Checklist using the print icon at the bottom of this page.

  Credit History:

  • Full legal name including any previous name
  • Social Security numbers for both you and any co-borrowers
  • Age and number of years of schooling
  • Marital status
  • Number of dependants and their ages
  • Residence history for the past two years
  • Name, address and telephone number for all landlords for past 2 years
  • Mortgage statements for any current real estate loans
  • Divorce papers or separation agreement (if applicable)
  • Bankruptcy papers including discharge (if applicable)
  • Explanation letter regarding derogatory credit (if applicable)

  Income and Employment Verification:

  • Recent paycheck stubs with year-to-date amounts
  • W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
  • Any Social Security or disability income (if applicable)
  • Any pension or retirement income (if applicable)
  • Name, address and phone number for all employers for the past 2 years

  Self Employed Individuals also require the following information based on their business classification:
    Sole Proprietor

  • Year-to-date profit and loss statement

    Partnership

  • 2 years Partnership returns (Form 1065)
  • 2 years individual partners returns (Form K-1)
  • Year-to-date profit and loss statement

    Corporations

  • 2 years Corporation returns (Form 1120 or 1120S)
  • Year-to-date profit and loss statement

  Assets:

  • Copies of checking and savings accounts statements for the past two months
  • Evidence of any other assets such as bonds, stocks, CD’s, Money Market accounts or money saved in retirement programs (i.e. 401k)
  • Equity in a life insurance policy
  • Vehicle information (year, model, and approximate value)
  • Approximate amount of cash gift from a relative (if applicable)

  Military Veteran (VA) Applicants:

  • The original Certificate of Eligibility
  • A copy of your DD-214 discharge form
  • Copy of picture ID