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Mortgage Checklist
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.
 
If Self-Employed:
 
• 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
only.)

 

Nevada State Bank, a division of ZB, N.A. Member FDIC NMLS #467014
PO Box 990, Las Vegas, NV  89125
Toll Free:  (866) 909-9657
InfoMortgage@nsbank.com
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