Information You’ll Need for the Loan Approval Process

Please have the following information when you meet your mortgage loan originator:

Residence History

Your street address, or addresses, for the past two years
If you rent: your rental manager or landlord’s name, address and phone number
If you own: your mortgage lender’s name and your account number

Name, address and phone number of any employer you’ve worked for in the past two years

Your gross monthly salary or other income
Your most recent paystubs covering a 30 day period reflecting year-to-date totals
Your W2 forms for the past two years
Signed tax returns for the past two years
If you are self-employed: signed corporate tax returns for the past two years and current Profit & Loss Statement and Balance Sheet
If you are not currently employed: bring proof of other sources of income (Social Security awards letter or Retirement benefit letter and 1099s for the past two years)

Name of financial institution, account number and balance on all checking, savings, IRA, retirement, 401(k), stock and mutual fund accounts — including statements for the past two months

Address, market value, loan information, mortgage statements and insurance declaration pages on all real estate you own
Copies of leases for any rental property you own

A government-issued photo ID (i.e. driver’s license, state-issued non-driver’s ID, US military ID)
Your military discharge papers (Form DD214) and Certificate of Eligibility — if you are applying for a VA Loan