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.