Use this list to begin gathering everything you'll need when you apply for your mortgage loan-the more you bring with you, the smoother the process will go. You may want to print this page out for handy reference. 

 

___ Original purchase contract (the loan officer will copy it and return the original to you)

 

___ Copy of earnest money (deposit) cancelled check

 

___ Employment history details

 

___ Last two years' W-2 forms

 

___ Last two years' income tax returns

 

___ Paycheck stubs for past 30 days

 

___ Verification of secondary income (e.g., investment accounts, bonuses, a part-time job, child support or social security income)

 

___ Assets: Account numbers, balances and branch addresses

      ___Checking

      ___Savings

      ___Stocks/bonds (current market values)

      ___Other:_____________________________________________________________

      ___Other:_____________________________________________________________

 

___ Debts: Account numbers and addresses

      ___Auto loan(s)

      ___Boat loan(s)

      ___Student loan(s)

      ___Credit card

      ___Credit card

      ___Other:______________________________________________________________

      ___Other:______________________________________________________________

 

___ Explanation of any credit problems (e.g., previously declared bankruptcy, excessive credit card debt)

 

___ Divorce or separation documents (if you receive or pay alimony or child support)

 

___ Landlord's name and phone number (if renting)

 

___ Disposition of present home (if you already have a home, do you plan to sell it or rent it out?)

 

___ Person who will give lender access to lender's appraiser (name and phone number)

 

___ Your check for appraisal, credit report and/or loan application fees (your lender will tell you what this cost is)