Loan Application Checklist

Gather these items for you and any co-borrower before you apply. Having them ready speeds up approval and helps avoid last-minute requests during escrow.

Tap items to check them off as you gather them.

Identity & Contact

Photo ID: driver’s license or passport for each borrower
Social Security numbers and dates of birth
Current and prior addresses for the past two years
Landlord or mortgage details: contact, monthly payment and balance

Income & Employment

Pay stubs: most recent 30 days, showing year-to-date earnings
W-2s or 1099s: past two years
Federal tax returns: past two years, all pages and schedules
Employers: names, addresses and phone numbers for two years
Other income: Social Security, pension, disability or VA award letters
Bonus, overtime or commission history, if you want it counted

Assets & Funds to Close

Bank statements: checking and savings, last two months, all pages
Retirement & investment statements: 401(k), IRA, brokerage, CDs
Gift letter and donor’s statement, if family is helping
Earnest money: deposit receipt or canceled check
Large deposits: a short written explanation and source documents
Down payment assistance paperwork, if applicable

Debts & Obligations

Current debts: auto, student, credit card and installment loans
Other properties owned: mortgage statements, taxes, insurance and HOA
Rental properties: current leases and tax returns showing rental income
Child support or alimony you pay, with the court order

The Home You’re Buying

Signed purchase contract with all addenda and counteroffers
Homeowner’s insurance agent contact or quote (needed before closing)
HOA contact information, if applicable
Listing agent and escrow contacts (I’ll provide these)

Special Situations

Self-employed: two years of personal and business returns plus a year-to-date P&L
Divorced or separated: decree and settlement, plus 12 months’ proof of support received
Bankruptcy, foreclosure or judgments: discharge papers and an explanation letter
VA loans: Certificate of Eligibility or DD-214
Non-U.S. citizens: permanent resident card or valid visa and work authorization
Recent job change: offer letter with start date and salary

Tips for a Smooth Application

Upload securely. Share Social Security numbers and statements only through your lender’s secure portal, never by regular email.
Send complete documents. Include every page, even blank ones; lenders often ask again for missing pages.
Keep it current. Expect updated pay stubs and statements before closing, and keep finances steady until you close.

Need a trusted lender?

I can introduce you to experienced local lenders who’ll compare programs side by side. Call or text me anytime.

Search Homes Call 602-717-4838

Requirements vary by lender and loan program; your loan officer may request additional items.

Gather it once, close on time.

Identity & Contact

Income & Employment

Assets & Funds to Close

Debts & Obligations

The Home You’re Buying

Special Situations

Tips for a Smooth Application

Need a trusted lender?

Have Questions?

Chris DeFreitas

Gather it once, close on time.

Identity & Contact

Income & Employment

Assets & Funds to Close

Debts & Obligations

The Home You’re Buying

Special Situations

Tips for a Smooth Application

Need a trusted lender?

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Have Questions?

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Chris DeFreitas