Mortgage Application Guide
Ready to apply for a new mortgage or refinance your current one? Use our checklist to guide you through the application process.
Purchase Application Guide
When applying for a new home loan, make sure to have the following ready:
A copy of the fully executed sales contract signed by both parties.
Talk to your realtor if you need assistance.
Your most recent W-2.
One of the following:
Hourly and salaried employees should have a month's worth of recent pay stubs.
Self-employed individuals must show two years—and all schedules—of business and personal tax returns and a current year-to-date Profit and Loss Statement.
If you are retired, we request the current year's benefits award letter or bank statements reflecting direct deposits for two recent months.
Bank statements, including Retirement Asset Statements.
We will need all pages for two recent months of statements. If you have accounts with multiple financials, we will request statements that reflect any account balance included in the application.
Statements can be printed directly from your banking account, or you can contact your financial institution to request hard copies. Printed screenshots will not be accepted.
Refinance Application Guide
If you're looking to refinance your mortgage, you will need the following:
Your most recent W-2.
One of the following:
Hourly and salaried employees should have a month's worth of recent pay stubs.
Self-employed individuals must show two years—and all schedules—of business and personal tax returns and a current year-to-date Profit and Loss Statement.
If you are retired, we request the current year's benefits award letter or bank statements reflecting direct deposits for two recent months.
Bank statements, including Retirement Asset Statements.
We will need all pages for two recent months of statements. If you have accounts with multiple financials, we will request statements that reflect any account balance included in the application.
Statements can be printed directly from your banking account, or you can contact your financial institution to request hard copies. Printed screenshots will not be accepted.
Current Homeowner's Insurance Declarations page.
Optional: Current survey.
If you provide us with a copy of the current survey that is less than 15 years old and no changes have been made to the property, you will save $350 off your closing costs. If you do not have this, don’t worry! We will take care of getting a current one, and the cost is already included.
The survey can be found in your initial mortgage documents, or you can contact your existing lender for a copy.
Optional: Evidence of an Owner's Title Insurance Policy
Title documents aren't required, but providing them can help save on closing costs.