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Below is a list of all the documents you should need to close a loan.
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Please use this list to help you better determine what paperwork you will need
for the loan you will be getting. Keep in mind that this list is only to better
prepare you for the closing of your loan and some additional paperwork may be
required based on your particular circumstances.
Credit Information
- Full legal name including any previous name(s)
- Social Security number
- Age and number of years of schooling
- Martial status
- Number of dependants and their ages
- Complete residence information for the past 2 years
- Name, address and telephone number(s) for all landlords for past 2 years
- Mortgage statements on all open real estate loans (including rentals)
- Complete divorce papers or separation agreement (if applicable)
- Complete bankruptcy papers including discharge (if applicable)
- Explanation letter regarding derogatory credit (if applicable)
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Income and Employment
General Information
- Most recent pay stubs to cover one full month with year-to-date figures
- The last two 2 years of W-2s and 1099s
- The last two 2 years of Federal Tax returns (including schedules)
- Award letters for Social Security or disability income (if applicable)
- Award letters from pension or retirement income (if applicable)
- Copies of cancelled checks for the last 12 months for alimony or child support
- Rental agreements for all investment properties
- Name, address and telephone number for all employers for the past 2 years
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Self Employed Individuals also require the following information
based on their business classification:
Sole Proprietor
- Year-to-date profit and loss statement
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Partnership (General or Limited)
- 2 years of Partnership returns (Form 1065)
- 2 years of individual partners returns (Form K-1)
- Year-to-date profit and loss statement
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Corporation (includes S-Corporations)
- 2 years of Corporation returns (Form 1120 or 1120S)
- Year-to-date profit and loss statement
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Asset Information
Provide copies of ALL pages of the following accounts:
- Checking and savings accounts account numbers, and if available 3 months
- Money market account(s)
- Certificate of deposits (CDs)
- Retirement and 401Ks
- Stock and bonds
- Equity in a life insurance policy
- Vehicle information (year, model, and approximate value)
- Approximate amount of cash gift from a relative
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Miscellaneous Information
- If you are NOT a US citizen, we will need a copy of your green card (front & back)
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- If you do not have a green card, provide a copy of either an H-1 or L-1 visa
- If you are a recent graduate, provide copies of your transcripts and diploma
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VA Applicants
- A copy of your DD-214 discharge from military form
- The original Certificate of Eligibility
- A copy of a picture ID
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