Loan Application Checklist

In general, the documentation you will need includes:
  •     Check for appraisal fee
Property Information (if you already have a contract on a house)
  •     Purchase Agreement.
  •     Copy of legal description and MLS sheet.
  •     If you are selling your current home, copy of listing contract.
  •     If you have sold your current home, copy of settlement statement (HUD-1).

Income & Assets
  •     Pay stubs for the last 30 days.
      For the past two years:
  • Names and addresses of each employer.
  • W-2s
  • Statements for each bank, mutual fund, and/or investment account for the last three months - with all pages.
  • Estimated value of personal property.
If you have made any large deposits to your accounts:
  • Explanation and source for deposit.
  • If large deposit was a gift:
    • Signed gift letter (we will supply).
    • Copy of gift check.
    • Copy of deposit receipt.
If you own more than 25% of a business:
  • Corporate or partnership tax returns.
If self-employed:
  • Tax returns for the last two years (with schedules).
  • Year-to-Date Profit and Loss Statement prepared by an accountant.
If you own rental property:
  • Tax returns for the last two years and current rental agreements.
If you are retired:
  • Pension Award Letter.
If you receive Social Security:
  • Social Security Award Letter.
If you are counting child support as income:
  • Copy of divorce settlement.
  • Copy of twelve months of cancelled child support checks.

  • Names, addresses, account numbers, balances and monthly payments on all current loans.
  • Explanation of credit report anomalies, including:
  •     Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
  •     Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

VA Loans
  • Copy of DD Form 214, Report of Separation.

  • Photo ID and proof of Social Security number.
  • Residence addresses for the past two years.
  • If applicable, a copy of your divorce decree.
  • If you are not a citizen, a copy of the front and back of your green card. 
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Loan Officer Licensing: AZ LO-0910943; NMLS-148692
Company Licensing: AZ BK-0902614; NMLS-3094
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