Lenders who contributed to the content:

AadvantagePlus Financial
Acacia Federal Savings Bank
American Home Funding
Buckingham Mortgage
Continental Mortgage
Parkvale Mortgage


The following summary is a consensus from some of our participating lenders and designates the documents that are may be required to accompany mortgage loan applications. Document requirements vary depending on whether it is a refinance or purchase money. Each lender may have different requirements; this list should be used as a guideline only. Some lenders may have automated underwriting, which requires less documentation. This list does not account for fees that may be required such as appraisal fees and application fees.

• Original signed loan application and all mortgage loan disclosures
• Copy of year-to-date pay stubs for past 30 days
• Copies of last two year w-2's or 1099's
• If self-employed, federal tax returns for the past two years and YTD profit/loss statement
• Personal tax returns for the last two years - all schedules, signed.
• Homeowner's insurance information (include policy # insurance agent's tel. #)
• Homeowner's association information (include contact name & tel. #)
• Copies of bank statements for the past 2 months on all accounts
• Copy of ratified sales contract or HUD-1 on current home (if purchase)
• Copy of the front and back of the cancelled earnest deposit check (if purchase)
• Evidence of cashing in assets (stocks, 401k) documenting the value, liquidation, and transfer of funds to your checking account for all funds that are to be used for the down payment
• Copies of leases on all rental properties owned for one year.
• Termite inspection report (if purchase)
• Copy of survey and title policy on current home (if refinance)
• For VA loans: copy of DD214 and certificate of eligibility

Other documents that may be required in certain circumstances:

• Original gift letter signed by both the donor and recipient of gift
• Evidence of the donor's ability to give the gift (e.g. bank statement, stock statement)
• List of savings bonds held with serial numbers
• Letter of explanation and supporting documentation regarding the source of funds
• HUD-1 settlement statement after the following property goes to settlement
• Copy of realtors listing and net proceeds sheet
• Separation agreement and divorce decree
• Evidence of receipt of child support or paternity agreement
• Bankruptcy petition and discharge documentation
• Auto title demonstrating free and clear ownership of all automobiles
• Green card or work visa
• Letter of credit explanation
• Letter of explanation for the gap in employment


This list is to be used for general guidelines purposes only and in no way is intended to represent the requirements specific to any one lender. Parkhill LoanFax, Inc., nor their contributing lenders, does not assume responsibility for errors and omissions in the content or use of this list.