Home Loan Application Checklist
Preparing for a Smooth Application Process & Successful Close of Escrow     

Depending on the type of loan application you are applying for will determine the information required to process your loan. Please provide legible copies (all pages, front and back when applicable). Should you not be able to locate them, just simply call our office at 800-814.4656 for assistance.

List of Available Checklists:

VA Rate Reduction Refinance Checklist
FHA Streamline Loan Checklist
Conventional Refinance Checklist
Purchase Loan Checklist
FHA Purchase Checklist

VA Rate Reduction Refinance

• Photo ID
• Copy of Note **
• Social Security Card
• HUD1 Closing Statement **
• DD214 or Statement of Active Duty
• Most recent mortgage statement
• Homeowners Insurance Policy Statement
• Property Tax Bill

FHA Streamline Loan

• Photo ID
• Copy of Note **
• Social Security Card
• HUD1 Closing Statement **
• Most recent mortgage statement
• Homeowners Insurance Policy Statement
• Property Tax Bill

Conventional Refinance 

Income & Assets

• Pay Stubs - 30 days most recent
• W2/1099 - 2 years most recent
• Complete Tax Returns - 2 years most recent
• Bank Statements - checking, savings & money market (last 2 months)
• Rental Income (if using to qualify then need copies of rental agreements)

Liabilities

• Credit card account information, including balance & monthly payment
• Auto loan account information, including balance & monthly payment
• Personal loan information, including balance & monthly payment

General Information

• Photo ID
• Copy of Note **
• Social Security Card
• HUD1 Closing Statement **
• Residence history past 2 years
• Employment history past 2 years
• Mortgage statement (most recent copy)
• Credit account statements (if paying off in escrow)
• Homeowners insurance policy statement
• Property tax bill

** Please refer to copies of loan documents you received when your existion loan closed escrow.

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Purchase Loans

General Information

• Photo ID
• Social Security Card
• Residence history past 2 years
• Employment history past 2 years
• DD214 or Statement of Active Duty (Veterans Only)

Income & Assets

• Pay Stubs - 30 days most recent
• W2/1099 - 2 years most recent
• Complete Tax Returns - 2 years most recent
• Bank statements - checking, savings & money market (last 2 months)
• Rental Income (if using to qualify then need copies of rental agreements)

Liabilities

• Credit card account information, including balance & monthly payments
• Auto loan account information, including balance & monthly payments
• Personal loan information, including balance & monthly payments

Located home & have an accepted an offer

• Copy of purchase contract (fully executed)
• Contact information for all parties
• Previous closing statement (if using net proceeds from refinance or prior sale)

FHA Purchase (if using gift funds)

• Gift Funds (immediate family members only):   
           a.    Gift Letter signed by both Borrower and Donor
           b.    Copy of cancelled gift check from Donor (if already deposited into
                    borrower's account)
           c.    Copy of deposit receipt

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