Loan Application Checklist

Loan Application Checklist

Most lenders will have you go online to apply in order to gain pre-approval. Following is the information you need to provide during the loan application process (these documents are usually uploaded to the lending specialist through a secured link)


  • Non-expired Government ID and Social Security Number
  • Name and complete address for past 2 years of residence


  • Employment history, including names, addresses, phone numbers for the past 2 years
  • Copies of your most recent pay stubs and W-2 forms (past 2 years)
  • Verification of other income (social security, child support, retirement)
  • Copies of signed tax returns including all schedules (past 2 years)
  • Social Security & Pension Award letters
  • If you have rental property income: Copies of all signed lease agreements


  • Copies of all band statements from checking/savings accounts (past 2 months)
  • CD certificates and statements for retirement accounts (most recent 2 months or quarterly statement)
  • Gift funds will need gift letter of proof of gift


  • Credit cards (current balances and monthly payments)
  • Installment loans (car, student, etc)
  • Mortgage loans (property address, lender with address, account numbers, monthly payment and balance owed on all properties presently owned or sold within the last 2 years). Bring proof of sale for properties sold.
  • Childcare expense/support (name, address, phone number). [VA loans only]


  • Bankruptcy – bring discharge and schedule of creditors
  • Adverse credit – bring letters of explanation
  • Divorce – bring your Divorce Decrees, property settlements, quitclaim deeds, modifications, etc.
  • VA only – bring Form DD214 and Certificate of Eligibility
  • Retirees – bring retirement and/or Social Security Award Letter

Hassle-Free Loan Process

Our preferred lending specialists provide the following 4-step process:

Loan Application Checklist

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Loan Application Checklist