First-Time Homebuyer Checklist

If this is your first time applying for a home loan or you simply need a refresher, this checklist can help you gather the documents once you’ve decided to proceed with the loan.

• Employment Income Verification
• Last two years of W-2 statements and a consecutive 30 days of paystubs including year-to-date earnings
• Proof of additional income earnings – Social Security, Child Support, Alimony
• Current and prior year Personal Federal Tax Returns
• (If Self-Employed) Business Federal Tax Returns, all pages and schedules with Year-to-date Profit and Loss Statement

• Asset Verification
• Last three months of your checking, savings, and investment statements

• Collateral
• Signed sales contract and any addendums on the purchase of the home
• Name and telephone number of insurance agent
• Title company or settlement name and contact info
• Copy of Earnest Money Check

• Legal
• Copy of Photo ID and/or Permanent Resident Alien card – if applicable
• Copy of Revocable Trust - if applicable
• Copy of recorded Divorce Decree - if applicable

No verification items are needed to receive a loan estimate.