All Borrowers
Copy of unexpired picture identification (e.g., Driver’s License, VISA, Passport, Military ID, or State Issued ID) for each applicant
Most recent two (2) months of bank statements, ALL numbered pages
Most recent two (2) months of brokerage statements, ALL numbered pages
Most recent two (2) months of retirement statements, ALL numbered pages
Terms of withdrawal for retirement accounts
Executed Purchase Contract/Agreement with all addendums
Supporting documentation for any recent deposits not noted as automated payroll deposits
Homeowners insurance policy if refinancing or information for the new property – agent and company name with phone number
If any deposits or funds for closing are from a Gift (e.g. from relative, employer, non-profit, etc.), then more documentation will be required depending on the loan program – check with your Loan Officer for a specific list for your chosen program
Copy of Earnest Money Check (a copy of the cleared check may be required as well, check with your Loan Officer)
Copy of Social Security card
Other Items Based on Your Situation
School transcripts (if employed less than 2 years from graduation)
Current year’s Award Letter for Social Security benefits, if applicable
Most recent 30-day pension/retirement income statements, if applicable
If using Child Support or Alimony as income, copy of agreement as well as proof of receipt of the support for the last six (6) months
Plans and specification may be required for new construction – check with your Loan Officer
If applying for a VA loan – DD214 (if retired/discharged), Statement of Service (if active duty), monthly child care amount/letter
Name and contact information for landlord if currently renting
Documentation for obligations not reflected on the credit report (e.g., Divorce Decree, Parental Support Document, privately-held note, farm equipment loans, etc.)
For any loans on which any applicant is a “Co-Signer,” furnish a copy of the note and 12 months of cancelled checks to prove payment by other signer if you do not want the debt to be considered as your debt
Deferred student loans may require further documentation depending on the loan program – check with your Loan Officer for a specific list for your chosen program
Non-US citizens must provide proof of eligible permission to reside and work in the US – EAD or other eligible work VISA – with evidence of history of renewal if expiring within 12 months
Letters of explanation will be required for any credit inquiries, name variations, and address variations reflected on the credit report
Bankruptcy, judgment and/or foreclosure documentation – petition, discharge, release, and letter of explanation for the event
