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Application Checklist

Below is a list of documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, the sooner you provide the information requested, the better. It will help speed up the application process.

Your Property (purchase transactions)

  • Copy of signed sales contract including all riders
  • Verification of the deposit you placed on the home
  • Names, addresses and telephone numbers of all Realtors, builders, insurance agents and attorneys involved
  • Copy of Listing Sheet and legal description if available (if the property is a condominium please provide condominium declaration, by-laws and most recent budget)

Your Income

  • Copies of your pay-stubs for the most recent 30-day period including year-to-date income
  • Copies of your W-2 forms for the past 2 years
  • Past 2 years full tax returns
  • Names and addresses of all employers for the last 2 years
  • Letter explaining any gaps in employment in the past 2 years
  • Work visa or green card (copy front & back) if applicable

If self-employed:

  • Year-to-date Profit and Loss statement
  • K-1’s for all partnerships and S-Corporations for the last two years (please double-check your return. Most K-1’s are not attached to the 1040.)
  • Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years. (Required only if your ownership position is 25% or greater.)

If you will use Alimony or Child Support to qualify:

  • Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for past year

If you receive Social Security income, Disability or VA benefits:

  • Provide award letter from agency or organization
  • Proof of receipt of payment (copy of check, bank statement, etc.)

Source of Funds and Down Payment

  • Sale of your existing home – provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement/Closing Statement)
  • Savings, checking or money market funds – provide copies of bank statements for the last 2 months
  • Stocks and bonds – provide copies of your statement from your broker or copies of certificates
  • Gifts – If part of your cash to close, provide Gift Letter (we will provide) and proof of receipt of funds
  • Source of funds for any large desposit (>$500) made in the past 60 days

Debt or Obligations

  • Include all names, addresses, account numbers, balances, and monthly payments for mortgage holders and/or landlords for the last 2 years
  • If you are paying alimony or child support, include marital settlement/court order stating the terms of the obligation


  • Copy of your driver’s license
  • Copy of your Social Security Card

If refinancing

  • Copy of the declaration page of your homeowner’s insurance
  • Copy of your most recent mortgage statement(s)
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