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Home Residential Mortgages Loan Application Checklist

Residential Loan Application Documents Checklist:

In connection with a residential loan application, once you have received a Good Faith Estimate of Settlement Costs and indicated your intent to proceed with the loan request, you will be asked to provide the following information. Additional information may be required depending on the transaction.

____ 1. Pay stubs covering most recent thirty day period.
____ 2. Award letter(s)/written verification for all pension and/or social security income.
____ 3. Last two years W-2's, 1099's, etc.
____ 4. If self-employed, last two years personal and business tax returns and YTD Balance Sheet & Profit and Loss Statement. Please sign/re-sign in blue ink.
____ 5. Last two months bank/investment account statements for all accounts listed on application. Please provide a copy of all pages.
____ 6. Most recent statement for any/all retirement (IRA, 401K etc) accounts listed on application.
____ 7. Two full years of residence information, including name, address and telephone number for landlord or mortgagee.
____ 8. Copy of any/all notes receivable listed on application if using income from the note(s) for qualifying purposes.
____ 9. Schedule of real estate owned including address, mortgage holder, mortgage payment and break down of taxes and insurance. Also provide a copy of Schedule E from last two years tax returns.
____ 10. For purchases: Copy of Sales Contract including all addenda and copy of cancelled check for verification of deposit.
____ 11. For refinances: Copy of owner's title insurance policy, deed, homeowners insurance policy, real estate tax bill and survey.
____ 12. For construction loans: Copy of contract with builder, plans and specs and cost breakdown from builder. Copy of boundary survey.
____ 13. Other:

If you should have any question, please contact the Residential Mortgage department at 352-369-1000.

Note: An application fee of $375 will be due after the third business day following the mailing of early mortgage loan disclosures. The application fee may be collected sooner if early mortgage loan disclosures are delivered directly to the applicant(s).

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