Checklist for Borrowers

For your convenience, we have provided the checklist below of items that may be requested during your loan application process.

Purchase Contract and Property Information

  • Copy of completed sales contract, executed by all parties
  • Contact information for access to the property


  • Copy of Note and Deed on home being refinanced

Personal Information

  • Social Security Card
  • Driver’s License
  • Address for last two years
  • Current housing expense
  • Name and address of landlord/mortgage holder

Employment History and Income

Salaried Borrower

  • Two years of employment history with address and phone
  • Recent 30 days’ worth of paystubs
  • W2 forms for the last two years
  • Tax returns for the last two years if you have any commission income or write off any unreimbursed expenses

Self Employed Borrower

  • Last two years tax returns
  • Corporate returns may be required for some borrowers
  • Current P&L statement

Other Income

  • Proof of other income – awards letter for Social Security, retirement, pension, etc.


  • Current 2 months bank statements
  • If needed, 401k statement showing vested amount

Liabilities and Debts

  • Written explanation of any past credit problems
  • Full details of any bankruptcy in last 7 years, plus documentation
  • Tax and insurance information for any land or other property owned

Additional Items Needed

  • Copy of divorce decree or child support order, if applicable
  • VA Loans – Certificate of Eligibility
  • VA Loans – Copy of your DD214