Application Checklist

Below is a list of documents that are required when you apply for a mortgage.  Every Client's situation is unique and thus you may be required to provide additional documentation. So, if you are asked for more information, please be cooperative and provide the information as soon as possible. It will help speed up your loan application approval.  PDF format is preferred.

Information to have when completing your Application form

  • Names, addresses, phone numbers of all employers for the last two years

  • Balances in your banking / investment / retirement funds

General items

  • ​Driver's License copies

Your Property

  • Copy of signed sales contract including all riders (Agent can provide)

  • Verification of the deposit you placed on the home has cleared your bank

  • Names, addresses and telephone numbers of all realtors, builders, insurance agents (purchases only)

Your Income

  • Copies of your pay-stubs for the most recent 30-day period with YTD

  • Copies of your W-2 forms for the past two years

  • Letter explaining any gaps in employment in the past 2 years

  • Work visa or green card (copy front & back)

If self-employed or receiving commission or bonus, interest/dividends, or rental income:

  • Provide full tax returns for the last two years PLUS year-to-date Profit and Loss statement (If you have filed an extension, please supply a copy of the extension)

  • K-1's for all partnerships and S-Corporations for the last two years (please double-check your return. Most K-1's are not attached to the 1040.)

  • Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years. (Required only if your ownership position is 25% or greater)

If you will use Alimony or Child Support to qualify:

  • Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for the last (6) months

If you receive Social Security income, Disability or VA benefits:

  • Provide award letter from agency or organization

Source of Funds and Down Payment

  • Sale of your existing home - provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement/Closing Statement)

  • Savings, checking or money market funds - provide copies of bank statements for the last (2) months

  • Stocks and bonds - provide copy of your statement from your broker or copies of certificates for the past (2) months

  • Gifts - If part of your cash to close, provide completed Gift Affidavit and proof of receipt of funds (we will provide you with the Gift form)

  • Based on information appearing on your application and/or your credit report, you may be required to submit additional documentation

Debt or Obligations

  • Most recent mortgage statements(s)*

  • Most recent HOA statement*

  • Home Insurance Declarations Page*

  • AMEX accounts - provide a copy of the most recent statements including 100% of the pages

  • If you are paying alimony or child support, include marital settlement/court order stating the terms of the obligation

*if you are selling a property as part of this application you can REMOVE these items from the list

Refinances only

  • Carbon Monoxide Detectors (Note: different than Smoke Detectors)          CA Senate Bill 183 requires 1 detector be installed on EACH floor

  • Water Heaters – MUST be doubled-strapped

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26741 Portola Parkway Suite 1E

Foothill Ranch CA 92610

NMLS 1171059

(949) 888-5232