The following information is usually required during the loan process. Not all documents may be required for every situation. 

Identification Documents:

  • Copy of your Social Security card
  • Copy of your Driver’s License
  • Copy of your Resident Alien Card, if not a US Citizen

Income Documents:

  • Your IRS 1040 Tax Returns for the most recent two years, include all schedules and attachments
  • If Self-employed- Year to date profit and loss statement, plus signed returns for the last two years
  • Your IRS Form W2’s and/or 1099’s for the most recent two years
  • Most recent consecutive 30 days’ pay stubs (if applicable)
  • If you receive any other income provide information- Pension, social security, child support, stocks, bonds, dividend
  • Name, address, telephone numbers for all employment held during the past two years. If a gap of employment greater than 30 days exists, detail dates and reason for gap.

Asset Documents:

  • Bank statements for the most recent two months be sure to provide all pages front and back
  • Provide source of funds for any large deposits not part of your employment income
  • Investment account statements for the past two months (if applicable)
  • Retirement account statements for the past two months (if applicable)
  • Copy of escrow check pursuant to a Purchase and Sale Agreement (if applicable)

Credit Documents:

  • Copy of Bankruptcy Discharge (if applicable)
  • Copy of Divorce Decree and Settlement Agreement (if applicable)
  • Copy of Child Support document (if applicable)
  • Copy of Litigation (if applicable)

If you currently own Real Estate:

  • Mortgage account information
  • Home insurance policy information
  • Home equity account information (if applicable)
  • Copy of most recent Survey (if applicable)
  • Owners Title Policy


  • Copy of fully executed Purchase and Sale Agreement with all addendums and copy of earnest money deposit
  • Certificate of Eligibility, if you are applying for a VA loan
  • Letters of explanation for any derogatory credit events such as foreclosure, short sale, judgments, collection and / or late payments
  • Landlord information for the past two years: Name, Mailing address, phone Number, email address
  • Paper Trail for Gift funds: Talk about down payment with your mortgage loan originator- if part of the money for your down payment or closing cost is coming from a gift discuss with mortgage loan originator. There are specific rules and instructions on how to handle gift funds
  • Additional monthly debt that is not reported on your credit report: IRS payments, child support, private loans, etc

 Loan Process Tips:

  • When asked for documents always provide them promptly, provide all pages front and back,a never cross out or alter the documents in any way
  • Documents often expire, therefore you might be asked for upated documents during the process
  • Do not apply for new credit, or make huges purchases during the loan process
  • Start shopping around for Homeowners and flood insurance quotes if applicable
  • All Bank statements will be scrutinezed and any funds outside of employemnt income will be questioned and an explanation of the souce will be requested

To receive a loan estimate you need to submit only six key pieces of information

  • Your Name
  • Your Income
  • Your social Security Number
  • Address of the home to plan to purchase or Refinance
  • An Estimate of the home’s Value
  • The Loan amount you want to borrower