Routing Number: 081206328
Preparing the right documentation early helps ensure a smooth, timely mortgage process. To keep your loan moving efficiently, please gather the applicable items below when applying for your home loan. This checklist reflects current lending and real‑estate compliance standards, including documentation required for verification of identity, income, assets, and obligations.
Copy of the signed purchase contract (signed by both buyers and sellers)
Property listing sheet or MLS listing
Social Security Numbers for all applicants
Driver’s license or State ID for each applicant
Landlord name, address, and phone number (if currently renting)
Employer name, address, and phone number
Position and length of employment for each job
Pay stubs covering the most recent 30 days
W‑2 forms and K‑1s for the past 2 years
If self‑employed:
Last 3 years of personal and business federal tax returns
Proof of additional income, if applicable (child support, Social Security, pension, disability, etc.)
Bank account information: name of institution, address, account numbers, and current balances
Investment account statements (IRAs, 401(k)s, mutual funds, CDs)
Life insurance statements showing cash value, if applicable
Current real‑estate holdings and estimated values
Statements for Social Security, retirement, pension, or disability income (if you want the bank to consider these as repayment sources)
Complete list of outstanding debts, including:
Credit cards
Personal loans
Business loans
Student loans
Installment loans
For each debt, include:
Lender name and address
Account number
Monthly payment
Current balance
Court‑ordered obligations such as alimony, child support, or maintenance payments:
Copy of the divorce decree or maintenance agreement
Any amendments
24‑month payment history
If using alimony, child support, or maintenance as qualifying income, the same documentation and 24‑month history are required.
If renting:
Landlord’s name and address
Rental payment history
For residential construction loans:
Signed construction contract
Cost breakdowns
Builder plans
Providing complete and accurate documentation early helps prevent delays and ensures your loan moves through underwriting efficiently. Your loan officer will review your documents, request any additional items needed, and guide you through each step of the process.