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Question of the Week

Document Checklist and Instructions

A properly documented loan application makes your loan process go smoothly. This checklist will help you gather your paperwork.

  1. Complete and sign the residential loan application, Form 1003, and the attached loan info sheet, credit authorization and fair lending notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use whiteout.
  2. Provide W-2's for the previous two years and two months of paystubs.
  3. Please also provide Federal tax returns for the previous two years, including all schedules. (Note: provide copies of all requested documents. Do not provide original documents.)
  4. If you own rental property, provide recent rental agreements and tax returns for the previous two years, including all schedules. (Include all pages even if blank.)
  5. To speed up the approval process, provide bank statements for the most recent two months (all pages even if intentionally blank) and recent statements for stock, mutual funds and IRA/401K accounts.
  6. If you are requesting a cash out refinance, provide a letter explaining how you will use the refinance proceeds.
  7. If applicable, provide a copy of your divorce decree and settlement agreement.
  8. If you are NOT a US citizen, provide a copy of your green card (front & back). If you are NOT a permanent resident provide a copy of your H-1 or L-1 visa.
  9. If any borrower has filed bankruptcy, provide the Discharge Notice, Filing and Schedule of Creditors.
  10.  Copy of driver license (front and back.)