Loan Checklist
A little advance preparation will keep you moving quickly all the way home.
A little preparation goes a long way in making your mortgage process smooth and stress-free. Our Mortgage Loan Checklist outlines the key documents and details you may be asked to provide - whether you're buying a home or refinancing. From income verification to asset statements, this guide helps you stay organized and ready to move forward with confidence. Review the list below and connect with your Brentwood loan advisor for personalized support every step of the way.
Items that may be requested during your home loan process:
- Valid photo identification
- Bank/asset statements for the last two months on all checking, savings, stock, mutual funds, IRA, or other liquid assets you would like on your loan application
- Pay stubs for the last 30 days
- W-2 forms for the past two years
- Federal tax returns for the past two years, including all schedules
- If self-employed or you own more than 25% of a business, copies of business tax returns for the past two years, including all schedules. Provide all K-1's to prove ownership interest in any entity.
- For other real estate owned, we need loan information, monthly payment, and any rent collected
- Home owners insurance contact info
- Landlord/mortgage company information for past two years
- Certificate of Eligibility and DD-214 or Statement of Service, if applying for a VA loan
- Bankruptcy or property short-sale/foreclosure information
- A copy of the settlement statement if you sold property in the last three months
- Child support payment info, copy of divorce decree and/or separation agreement, if applicable
- A copy of the signed real estate contract, if you've already made an offer on a home
- Resident alien card, front and back, if applicable
For Refinancing your home, some additional information may be needed:
- Current mortgage statement for property you want to refinance
- Current second mortgage or equity line statement for property you want to refinance
- Estimated value of your home
- Recent annual Homeowners insurance policy statement for the property you want to refinance
*Pursuant to Federal law, a lender shall not require a borrower to provide such documentation prior to issuing a Loan Estimate. However, you may voluntarily provide documentation to us for consideration. Your loan officer can provide you with a list of documents that are helpful to a lender when prequalifying a borrower.
Ready To Take The Next Step?
Whether you're dreaming of homeownership, looking to refinance for better terms, or simply exploring your options, our Brentwood branch is here to help you move forward with confidence. Our experienced mortgage professionals are committed to guiding you through every stage of the process with clarity, care, and personalized support. Choose the path that fits your needs below - and let's make your goals a reality.
