Loan Application Checklist
Items Needed For a Home Loan

This is a list of potential items needed to complete an approval for a Conventional, FHA or VA Home Loans, USDA Highlighted items are the minimum items need for pre-approval for a Standard Loan.
	We are here to Help so please call us anytime and we can assist you. (916)672-6130.
Click Here to Download a Credit Authorization Form; we will need your signature on before we can run your Tri-Merge Credit Report.
Property Information (if you already have a contract on a house)
	Purchase Agreement (if you have already made an offer on a home).
	If you are selling your current home, a copy of the listing contract.
	If you have sold your current home, a copy of the settlement statement (HUD-1).
Income & Assets
	Pay stubs for the last 30 days.
	For the past two years:
	W-2s, 1099s and Federal Tax Returns for the last 2 years Names and addresses of each employer. (Put on Loan Application)
	Statements for each bank, mutual fund, and/or investment account for the last three months.
	Estimated value of personal property and furniture. (Put on Loan Application)
	If you have made any large deposits to your accounts:
	Explanation and source for deposit. If you are receiving a gift of funds for the down payment:   Signed gift letter Click here for a Sample Gift Letter Copy of gift check. Copy of deposit receipt.
	If you own more than 25% of a business:
	Corporate or partnership tax returns.
	If self-employed:
	Tax returns for the last three years (with schedules). Year-to-Date Profit and Loss Statement prepared by an accountant.
	If you own rental property:
	Tax returns for the last two years and current rental agreements.
	If you are retired:
	Pension Award Letter.
	If you receive Social Security:
	Social Security Award Letter.
	If you are counting child support as income:
	Copy of divorce settlement. Copy of twelve months of cancelled child support checks.
Debts
	Names, addresses, account numbers, balances and monthly payments on all current loans. (This will be imported from your credit report.)
	Explanation of credit report anomalies, including:
	Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens. Supply this once we run your credit. Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).
VA Loans
	Copy of DD Form 214, Report of Separation Certificate of Eligibility
Miscellaneous
	Photo ID and proof of Social Security number. Need a Copy
	Residence addresses for the past two years. (Put on Loan Application)
	If applicable, a copy of your divorce decree.
	If you are not a citizen, a copy of the front and back of your green card. A copy

 You can upload all items securely when you Apply online, or you can fax them to us or e-mail them to your Loan Officer after you Apply.