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Mortgage Info

Document Checklist for Loan Application


Couple in a Consultation Session

Income verification:

  • Pay stubs for the last 30 days
  • w-2 forms for the last two years
  • child support or alimony printout or 12 months cancelled checks
  • awards letter for Social Security and 1099 for disability income
  • rental income - commission - interest - sources of income other than salary
  • tax returns for last two years

Sources of funds and down payment:

  • original bank statements for the last three months, including savings, checking, etc.
  • stock and securities account statements for the last three months
  • HUD settlement statement if using funds from the sale of property
  • sale of asset - proof of ownership, proof of sale and proof of funds transfer
  • for gift funds - a gift letter, evidence of transfer, and sometimes evidence of withdrawal

If you are Self-Employed:

  • signed completed tax returns for the past two years, personal, partnership and corporate
  • business profit and loss statement year to date for current year
  • current balance sheet

Payment history:

  • cancelled rent or mortgage payment checks for past 12 months
  • copy of land contract
  • child support or alimony
  • bankruptcy or consumer credit report

Additional information if applicable

  • purchase agreement, including legal property descriptions and any addendum
  • divorce decree
  • explanation of discrepancies in credit
  • two years of residence history
  • two years of employment history
  • address and phone number of current mortgage holder
  • address and phone number of current landlord
  • purchase contract and preferred title company
  • driver's license and social security card
  • VA certificate of eligibility - DD214

HOME SITE REALTORS®

P.O. BOX 750365, Dayton, Ohio 45475
(937) 436-2337

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