We are closed today, January 21st for Martin Luther King, Jr. Day. Online banking and ATMs are available 24/7.

Mortgage Application Checklist

Please provide the following items so that we may process your application quickly:

  • Copy of driver’s license (or other picture I.D.)


PROOF OF INCOME (which ever applies to you):

  • Latest W-2’s for all borrowers and pay stubs covering most recent 30 days, showing year to date
  • Proof of fixed income (retirement, pension, social security, etc.)
  • Self-employed applicants: provide last two years personal and business federal tax returns with all schedules, balance sheet and profit & loss from most recent quarter
  • If you receive alimony or child support and wish to include it in your income, provide a “friend of the court” letter acknowledging payment amount and status of account

PROOF OF DOWN PAYMENT AND CASH TO CLOSE:

  • Most recent statement for your deposit accounts
  • Most recent asset account statements (mutual funds, IRA, 401k, etc.)

IF A PURCHASE TRANSACTION:

  • Purchase agreement and all addendum’s, signed by buyer and seller
  • Seller’s disclosure
  • Copy of earnest money check
  • Legal description of property

IF A REFINANCE TRANSACTION:

  • Most recent summer and winter tax bills
  • Copy of your homeowner’s insurance policy

IF DOWN PAYMENT IS DERIVED FROM THE SALE OF PROPERTY:

  • Provide a copy of the listing, purchase agreement, or closing statement

IF CONSTRUCTION LOAN:

  • Blueprints, plans, specifications and cost estimates for the proposed home