Document Checklist

Document Checklist

A quick guide to help you gather the documents you need.

What You’ll Need for a Loan Application

Personal Identification

  1. Valid ID
    • Provide a copy of your driver’s license, passport, or front and back of your green card (if applicable).

    Income Verification

    1. Pay Stubs and W-2s
      •  Submit your last 30 days of pay stubs.
    2. Tax Returns
      • Provide the last 2 years of your 1040 federal tax returns.  
      • If self-employed, provide the last 2 years of federal corporate and/or partnership tax returns.  
      • Tax returns are not needed, if you are straight salary or hourly.
    3. Award Letters (If Applicable)
      • Provide award letters for retirement, pension income, social security, or disability income
    4. Retirement Accounts (If Applicable)
      • Submit the last 3 months of retirement/pension account statements, 401(k), and 2 years of social security 1099 statements.

    Property-Related Documents

    1. Mortgage Statements (If Applicable)
      •  Submit statements for all properties with mortgages, along with the homeowner’s insurance declaration page showing the premium for all properties owned.

    Legal Documents

    1. Divorce Documents (If Applicable)
      •  Include your divorce decree and separation agreement.
    2. Bankruptcy Documents (If Applicable)
      • If your bankruptcy was within the last 7 years, provide the petition and discharge documents.
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