Getting a mortgage is a major milestone, and we want to be there with you. The mortgage loan checklist below will help ensure you have everything you need to get the application process started. 

Income

  • Most recent 30 days paystubs or LES
  • Last 2 years or most recent 2 years W-2's
  • Last 2 years or most recent 2 years 1099's
  • Current income award letter
  • Last 2 years or most recent 2 years personal income tax returns (all pages and schedules)
  • If self-employed, last 2 years or most recent 2 years business tax returns (all pages and schedules)
  • Last 2 years or most recent 2 years K-1's (if applicable)
  • For VA loans: DD-214 or Statement of Service

Assets

  • Last 2 months bank statements (all pages) - i.e. checking, savings, money market accounts
  • Most recent quarterly retirement account statement - i.e. 401K, TSP
  • Signed gift letter (if down payment is coming from a gift)
  • Copy of earnest money deposit check
  • Large deposits - signed letter of explanation and documentation supporting source of deposit

Additional Information

  • Copy of fully ratified sales contract - all pages and addendums
  • Copies of most recent mortgage billing statements on all real estate owned
  • If properties are owned free and clear, copies of most recent real estate tax bill and homeowner's insurance declarations page
  • Copy of divorce decree and/or separation agreement
  • Copy of driver's license and/or state-issued ID

Our friendly mortgage professionals are here to help. Contact Alicia Bowen, Karla Davis or Jessica DiStefano at 757-877-2444.

  • alicia westfall
  • Karla Davis
  • Jessica Cecil new 100x150