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
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
Other
- 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:
Cristy Nash
Milton & Alabama Mortgage Loan Officer
NMLS #504013
Sherry Brock
Pensacola Mortgage Loan Officer
NMLS #1367681