Documents You May Need To Complete the Loan Application
As you begin the process, your mortgage team will ask you and the co-borrower, if applicable, for:
• Last two year’s W-2 or 1099 forms, as appropriate.
• Federal Tax Returns (1040s) for the last two years, including all schedules.
• Pay stubs covering the most recent 30-day period.
• Most recent (or two most recent) bank statements, all accounts.
• Most recent investment account statements, all accounts.
• Most recent retirement account statement, all accounts.
• Last year’s signed and dated tax return, including all schedules. Please note: Two years of tax returns may be required.
• If you’re part of a corporation or partnership, last year’s tax return for the corporation / partnership including form K-1. Please note: Two years of tax returns may be required.
Additional Information for Certain Applicants:
• If you received payment from Social Security or other pension, disability, or annuity, a
copy of the award letter and copy of the most recent benefit check or deposit.
• If you own additional real estate, a current lease/rental agreement, and possibly copies of
property tax and insurance bills.
• If you are divorced, a complete copy of the divorce decree.
• If you are paying rent to a private party, copies of the most recent 12 months rent checks.
• If you are in the process of purchasing a home, a copy of the ratified purchase contract.
If this is a Refinance Loan (any purpose)
• Copy of the home owner’s insurance policy, i.e., the declarations page only.
• Copy of the mortgage coupon (s) as appropriate: First, Second, or Line of Credit.
• Copy of bills / statements for credit cards, auto loans etc. (applies to cash-out refinances