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Be Prepared for Your Loan Application - What to Bring

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Employment

  • Addresses for two full years
  • Gross monthly income
  • W-2s, if available
  • Proof of pensions, retirement, disability or Social Security, proof of income from rentals, investments, etc. Proof of child support or alimony paid/received year to date, pay stubs.

If self-employed

  • Two years 1040 Tax Returns and all Schedules
  • Current year profit and loss statement

Creditors

  • Each creditor's name, address and type of account, account numbers, monthly payments and approximate balances, and amount of child care expenses.

Banking

  • Names and addresses of saving institutions, account numbers for all accounts, type of accounts and present balances.

Miscellaneous

  • List of assets in stocks, bonds, land
  • Life insurance cash value (documented if for down payment). If applicant is selling a home, a copy of the sales contracts and Social Security numbers for all parties should be provided.
  • Veterans - Certificate of Eligibility and DD-214
  • Cash or check to pay for application fee

Your Realtor should provide

  • Copy of sales contract
  • Copy of MLS listing sheet on property
  • Instructions on how appraiser is to gain entrance
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Keller Williams Realty

(704) 604-6115

Each Office Independently Owned and Operated


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