- Your Social Security Numbers(s)
- The address(es) of your residence(s) for the past two years, plus the names and address(es)of any landlords during that time
- The names and address(es) of all employers for the past two years
- A list of all monthly debts (auto loans, student loans, mortgage loans, credit cards, etc.), creditor's names, address(es), your account numbers, minimum monthly payment amounts and balances due on each account
- Information on any real estate you already own, including property address, current market value, mortgage lender's name and address, loan account number, balance and monthly payment
- The phone number and address of the listing and selling agents (or seller and seller's attorney if no real estate agent is involved)
The following items may be required if you decide to proceed with the loan and after the Good Faith Estimate is issued to you:
- A check for the application fee (if you are applying online, you'll need your credit card number and the expiration date)
- Paycheck stubs from the last 30 days that show your year-to-date earnings
- Original W-2 forms for the past year. If you are self-employed, earn commissions, overtime, or bonuses totaling over 25% of your income, please provide personal and/or corporate tax returns from the past year. A current profit and loss statement and balance sheet are needed for self-employed individuals
- Your original bank statements from the two most recent months for all checking and savings accounts
- Statements from the past two months for CDs, IRAs, stocks, bonds and any other securities if you intend to use any for your down payment
- A signed purchase contract on the home you wish to buy, plus any amendments or counter offers and receipts for earnest money or down payment deposits
- If a sale is pending on your existing home, send a copy of the purchase contract for that existing property and the sales listing contract
The application checklist may or may not be all inclusive of the items requested in order to process the loan.
