Gather Your Loan Information

Before you apply for your loan, make sure you have all of the information you need to apply for the loan. Common items that you will need to supply before and after the initial application include:

At initial application:

    Social security number
    Name and social security number of any co-applicants
    Property Address
    Phone Number
    Residence Address
    Previous Residence Address (for credit report)
    Estimated Value of Property
    Annual Income

After Applying for a Loan:

    Proof of Employment and Income (a recent check stub)
    Last year's W-2 forms
    Last 2 years of income tax returns
    A copy of your most recent mortgage statement
    A recent bank statement
    A copy of the home purchase contract (if applicable)
    If you received a cash gift, you need a copy of the check and the name of the gifter
    If you own other real estate, you may need the lease information, property tax and insurance documents
    If you receive alimony or child support, you may need evidence of the income (canceled checks or bank statements)
    If you've had a bankruptcy in the past seven years, you'll need a copy of the agreement and an explanation of the circumstances
    If you currently pay rent, you may need to supply the name and address of your landlord
    If you receive social security, you'll need a copy of the awards letter and a copy of a recent benefit check