Information You’ll Need for the Loan Approval Process

Apply for a Mortgage

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

Employment History

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

Income Information

  • 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)

Deposit, Retirement and Equities Account Information

  • 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

Real Estate Information

  • 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

Have questions? Contact one of our Mortgage Loan Officers:

Katrinka Phillips

Katrinka Phillips

NMLS #2128562

Email Katrinka Phillips
800.650.6328 Ext. 752