Financial items checklist

A little preparation in advance, will keep you moving quickly all the way home.

Items that may be requested during your home loan process:

  • Copy of ID and SS card

  • Bank/asset statements for the last two months (with all pages) on all checking, savings, stock, mutual funds, IRA, or other liquid assets you would like on your loan application

  • Pay stubs for the last 30 days

  • W-2 forms for the past two years

  • Federal tax returns for the past two years, including all schedules

  • If self-employed or you own more than 25% of a business, copies of business tax returns for the past two years, including all schedules. Provide all K-1’s to prove ownership interest in any entity.

  • For other real estate owned, we need the most recent mortgage statement, insurance declarations page, rental agreement (if applicable), and HOA statement (if applicable)

  • Certificate of Eligibility and DD-214 or Statement of Service, if applying for a VA loan

  • Bankruptcy discharge paperwork or property short-sale/foreclosure information (if the event happened within the last 7 years)

  • Divorce Decree, if applying for a FHA loan

  • A copy of the settlement statement if you sold property in the last three months

  • Child support payment info, copy of divorce decree and/or separation agreement, if applicable

  • A copy of the signed real estate contract, if you’ve already made an offer on a home

  • Resident alien card, front and back, if applicable


For Refinancing your home, some additional information may be needed:

  • Current mortgage statement for property you want to refinance

  • Current second mortgage, equity line, and/or HOA statement for property you want to refinance

  • Recent annual Homeowners insurance policy statement for the property you want to refinance

Above is a list of documents that are helpful to a lender when pre-qualifying a borrower. Pursuant to Federal law, a lender shall not require a borrower to provide such documentation prior to issuing a Loan Estimate. However, you may voluntarily provide documentation to us for consideration.

Brian Sapp NMLS ID# 295420 | CA DRE#: 01170429 | Branch NMLS ID# 1841782 | RM.804129.014

Summit Funding, Inc. NMLS ID# 3199 ( Licensed by CA Dept of Business Oversight #6072526,

CA Bureau of Real Estate #01220358, AZ Lic# 0925837, GA Lic# 39456, Illinois Residential Mortgage Licensee.

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Equal Housing Opportunity. Fair Housing & Discrimination violations will be reported online to HUD's local FHEO Regional Office or by calling the Fair Housing Complaint Hotline at 1-800-669-9777

Last Revised: 7/03/2019

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