The following is a full checklist of mortgage docs sometimes needed to process and close your loan. Initial needs request for either pre approval or approval will differ slightly. Tyically its income doc re undrwrite and credit ull Obviously a lot shorter of a list than what appears below. A good loan officer will know what approval conditions to expect before he or she submits your loan file for lender approval condition documents typical of a conventional full documentation loan program.

• 1003 Loan Application – URLA
• Application LOE
• Bankruptcy Discharge Notice
• Divorce Decree
• Subject Property Note
• Other Property Note
• Letter of Explanation – Misc
• Letter of Explanation – Property
• Letter of Explanation – Credit
• Verification of Mortgage
• Verification of Rent
• Statement of Account
• Mortgage Statement
• Property Tax Bill – Subject
• Property Profile – Subject
• Property Profile – non subject
• Property Tax Bill – non subject
• Court Order / Documents
• Evidence of Payment
• Authorization to Run Credit
• Alimony Income Verification
• Disability Award Letter
• Cancelled Checks evidencing receipt of Note income
• Borrower Authorization and Certification
• Mortgage Loan Origination Agreement
• Consent To Use Electronic Records and Signatures
• Borrower’s Authorization for Counseling
• Certificate of Eligibility
• 1040 Individual Federal Tax Returns
• Business Federal Tax Returns
• K-1 Schedule (1065/1120S)
• 1099 Form
• 1040 Personal Tax Transcripts
• 1120 Corporate Tax Transcripts
• K-1 Shareholder Profit & Loss Transcripts
• 1065 Partnership Tax Transcripts
• Latest W-2s
• Transcripts of 1099
• Pay Stubs
• Social Security Award Letter
• Retiree Account Statement
• Retirement / Pension Award Letter
• Rental Agreements / Lease Agreements
• Trust Documents
• 4506-T Request for Transcript of Tax Returns
• Business Existence Verification (CPA Ltr/ Bus. Lic.)
• Verbal VOE
• Written VOE
• Business License
• CPA Letter
• Profit and Loss Statement-Balance Sheet
• Employment Offer Letter
• Unsecured Note
• Letter of Explanation – Income
• Foster Care Verification
• Military Leave and Earning Statement (LES)
• Trust Federal Tax Returns
• Retirement Check
• Letter of Explanation – Child Care
• Boarder Proof of Residency
• Boarder Rental Payments
• Letter of Explanation – Asset
• Bank Statements
• IRA/401K
• Life Insurance Policy
• Gift Letter
• Bank Deposit Slip
• Investment Account Statements
• Verification of Deposit
• Verification of Assets
• Trust Agreement
• Financial Statements
• Credit Card Authorization
• Termite Report
• Termite Completion
• Flood Certification
• HOA Certification
• HOA Dues Statement with Contact Info
• Building Permits
• Property Survey
• Proof of Occupancy
• Homeowner’s Insurance
• Master Insurance Policy for Condominium
• Flood Insurance
• Social Security Administration – SSA-89
• Social Security Card Copy
• Work Visa/EAD Card
• Resident Alien Card
• Drivers License
• Birth Certificate
• Earnest Money / EMD Receipt
• Purchase Agreement
• Seller Signature Authority
• Miscellaneous Document
• Homeowner’s Insurance Quote
• Government-Issued ID
• Bankruptcy Filing
• Appraisal Payment
• Mortgage Payof