Applying for a Loan: What documents will I need?


Buying a home can be a complicated and scary process: however, with our expert advice and little advance preparation it can become the most exciting and rewarding purchase of your life! If you think you will be buying a home in the near future, start collecting the items from the list below that you already have. If you gather these items in an easy-to-find folder now, you will save yourself the time and frustration of trying to find them in a time crunch. Trust us, it will make things so much easier when the time comes to buy!

  • DRIVER'S LICENSE & SOCIAL SECURITY CARD
  • SALES CONTRACT: with original signatures, along with a copy of the earnest money check.
  • RESIDENCY: Complete address for each residence you've resided at during the past 24 months. For Renters: landlord information (name, address, phone number).
  • CURRENT LIABILITIES: Current balance and minimum monthly payments.
  • DIVORCED OR SEPARATED PERSONS: Complete divorce petition, signed, recorded final decree, and/or separation agreement.
  • VA LOANS: Copy of DD214's and certificate of eligibility
  •  INCOME: Past two years W-2 or 1099 forms, last 30 days pay stubs, self-employed- past 2 years complete tax returns, award letters for social security, award letters for retirement/pension incomes, court order for child support.
  • EMPLOYMENT: Names, addresses, and phone numbers of all employers for the past two years. Relocation: copy of employer's relocation agreement.
  • ASSETS: Two months' original bank statements (all pages) on all checking, savings, credit union, and investment accounts (including retirement).
  • RENTAL PROPERTIES: Copies of current leases and tax returns, copy of insurance, declaration page, copy of real estate tax bill, copy of mortgage statement if property is financed.
  • FOR REFINANCE LOANS: A copy of the warranty deed and any current mortgage and/or bill payoff information (copies of last statements). A copy of the current tax and home insurance expenses, along with a copy of the survey and owner's title insurance policy.