Mortgage Calculator


Loan Application Checklist

In general, the documentation you will need includes:
Loan Application

Purchase Loans - Property Information (if you already have a contract on a house)
Purchase Agreement.
Earnest Money check (front & back of the cancelled check once it's cleared the bank.
Copy of legal description and MLS sheet.
If you are selling your current home, copy of listing contract.
If you have sold your current home, copy of settlement statement (HUD-1).

Income & Assets

Pay stubs for the last 30 days.
  For the past two years:

Names and addresses of each employer.

W-2s & Tax Returns - All pages & All Schedules of the Federal Return - Tax Returns must be signed by each Tax Filer on the return (each borrowers tax return).
Statements for each bank, mutual fund, and/or investment account for the last three months.
Estimated value of personal property and furniture.
  If you have made any large deposits to your accounts:

Explanation and source for deposit.

If large deposit was a gift:

Signed gift letter (lender can supply).

Copy of gift check.

Copy of deposit receipt.
  If you own more than 25% of a business:

Corporate or partnership tax returns. - Must be signed.
  If self-employed:

Tax returns for the last two (2) years (with schedules). - Must be signed by each Person on the Tax Returns - Personal & Business Tax Returns

Year-to-Date Profit and Loss Statement prepared by an accountant.
  If you own rental property:

Tax returns for the last two years and current rental agreements.

Mortgage Statement for each property that you own with a mortgage. If the property taxes & Home Owners Insurance is not escrowed, a copy of both the tax statement & Home Owners Insurance.
  If you are retired:

Pension Award Letter.
  If you receive Social Security:

Social Security Award Letter.
  If you are counting child support as income:

Copy of divorce settlement.

Copy of twelve months of cancelled child support checks.


Names, addresses, account numbers, balances and monthly payments on all current loans.
Explanation of credit report anomalies, including:

Credit inquiries in the last 12 months, Negative items on your credit report, including: Late payments, charge-offs, collections, judgments and/or liens, bankruptcy

Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).

VA Loans

Copy of DD Form 214, Report of Separation.


Photo ID and proof of Social Security number.
Residence addresses for the past two years.
If applicable, a copy of your divorce decree - All pages.
If you are not a U.S. citizen, a copy of the front and back of your green card.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
How can we get in touch with you?
Tell us about your credit history.