Mortgage Application Checklist

Use this convenient checklist to make filling out a mortgage application simple. It covers the documentation your mortgage banker will need in order to process your loan application. If you're planning to submit a joint mortgage application, please bring the following information for all applicants.

Personal Information:

  • Complete name, Social Security number and date of birth
  • Present address and telephone number
  • Number of years at your current address
  • Name and address of your present mortgage company or landlord
  • Amount of monthly mortgage or rent payment (For mortgages, see Financial Obligations below for other required information.)

Note: If you have lived at your current address for less than two years, provide the same information for your previous address.

Employment:

  • Name, address and telephone number of employer(s)
  • Position or title and length of employment
  • Documentation of salary, commission, bonuses and/or overtime
    • Previous two years' W-2 forms
    • Pay stubs from the last 30 days

Note: If you have been with your present employer for less than two years, provide the same information for your previous employers.

If Self-Employed:

  • Year-to-date profit and loss statement and balance sheet
  • Two years of signed Federal Income Tax Returns, all schedules

Other Income and Assets:

  • Source and amount of monthly income other than from your employer, such as retirement or rental income
  • Name, address and account numbers for banks where you have checking or savings accounts
  • Name, address and account numbers for brokers where you have accounts
  • Estimated value of stocks and bonds
  • Face and cash value of life insurance policies
  • Vehicles: year, make, model and estimated value
  • Estimated value of other real estate and personal property
  • Proof of consistent alimony or child support payments, which may include divorce or separation documents, court records, canceled checks, etc. (You do not have to include information about income from alimony, child support or separate maintenance payments unless you want to consider this as income for your application.)

Financial Obligations:

  • Name, address, account number, monthly payment and present balance for installment loans and revolving credit accounts including credit cards. This includes:
    • Vehicle purchase and lease payments
    • Student loans, lines of credit, etc.
    • Department store and other credit cards
  • Alimony or child support payments, including divorce or separation documents that show payment amount and duration
  • Mortgage history
    • Present lender's name, address, account number, monthly payment, original amount, current balance and loan type (FHA/VA or conventional)
    • Previous lender's name, address, account number, monthly payment, original loan amount, pay-off date and loan type (FHA/VA or conventional)
    • If you are selling your current home, copies of the listing or sales contract

Conventional Loans: (these requirements apply to all loans - conventional and government loans.)

  • Previous two years' W-2 forms
  • Pay stubs from the last 30 days
  • Most recent two months' bank statements (checking and/or savings)

Other Things We May Require:

  • Name and address of the attorney handling the closing of your home purchase
  • A check, credit card number, or First Citizens account number for payment of any application deposit
  • Copy of your contract, if you are purchasing a home
  • Description and location of the property, which will secure repayment of the loan

Building a New Home? You'll Need:

  • A copy of the deed for your property
  • The 911 street address
  • A copy of your HUD-1 settlement statement for land purchase, if applicable
  • A copy of the turnkey contract to build
  • A copy of your contractor's license
  • Copies of your drawings and plans for your new home
Start the mortgage application process
or inquire about mortgage options.
Talk to a Mortgage Banker