Home Loan Checklist

Use the following Home Loan Checklist to prepare for your mortgage loan application appointment and the loan process.


Copy of Sales Contract (on the purchase of your home)

Copy of Sales Contract and Certified Copy of Closing Statement (on the sale of your present home)

Residence History

  • Past 24 months of residence with complete addresses
  • Length of time you lived at each residence
  • Name of landlord and his/her address (if currently renting)

Employment History

  • Employers for the past two years with complete addresses
  • W-2s for the past two years
  • Most recent 2-year’s tax returns (with all schedules)
  • Year-to-date profit and loss statement and current balance sheet (if self employed)
  • If there have been any gaps in your employment be prepared to explain

Copies of Most Recent Monthly Statements For All Loans or Credit Card Balances

Copies of Most Recent 3 Month’s Bank Statements For All Accounts, Stock Brokerages, Mutual Funds, IRAs, Pensions, Etc.

Current Real Estate

  • Property address
  • Estimated market value
  • Outstanding loan balance (bring copy of most recent loan statement)
  • Amount of monthly mortgage loan payment
  • Amount of monthly rental income, if any (copy of rental agreement)

Personal Property

  • Net cash value of your life insurance
  • Year, make, and value of all vehicles
  • Value of your furniture and personal property

If Applicable, The Following:

  • Copy of divorce papers (all papers including marital termination agreement and final decree signed by the courts)
  • Certificate of eligibility and DD214 (for VA loans only)
  • Copy of driver’s license and Social Security Card (for FHA loans only)