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Loan Application Checklist
General:
- Picture ID with Social Security Number
- Payment to cover application fee
- Name & complete address of all landlords (past 2 years)
Income:
- Employment history, including names, addresses, phone numbers, and length of time with that company (past 2 years).
- Copies of your most recent pay stubs and W-2 for (past two years).
- Verification of other income 9social security, child support, retirement).
- If you are self-employed: Copies of signed tax returns including all schedules (past two years), and a signed profit and loss statement for the current year.
- If you are retired: tax returns (past two years).
- If you have rental property income: Copies of all lease agreements.
Assets:
- Copies of all bank statements from checking/savings accounts (past three months).
- Copies of all stock/bond certificates and/or past statements/retirement accounts.
- Prepare a list of major household items and their values.
- Copies of title documents for all automobiles, boats. or motorcycles.
- Face amount, monthly premiums, and cash vales of all life insurance policies (Cash value may be used for closing costs or down payments. You need documentation from the carrier indication cash value).
Creditors:
- Credit Cards (account numbers, current balances, and monthly payments).
- Installment loans (car, student, etc.) Same details as for credit cards.
- Mortgage loans (property address, lender with address, account numbers, monthly payment and balance owed on all properties presently owned or sold within the last two years). Bring proof of sale for properties sold.
- Childcare expense/support (name, address, phone number).
Other:
- Bankruptcy - bring discharge and schedule of creditors.
- Adverse credit - bring letters of explanation.
- Divorce - bring your Divorce Decrees, property settlements, quickclaim deeds, modifications, etc.
- VA only - bring form DD214 and Certificate of Eligibility.
- Retirees - bring retirement and/or Social Security Award Letter.