What to bring

VA Loan

You need what???

Additional documentation might be required, depending upon your specific situations. Keep in touch with the lender during the process to confirm they have everything needed. It's not uncommon to get into the file only to determine more documentation is necessary. Maintaining patience is important throughout this process.

The loan application

Preparation in advance will help the process go smoother. The following list encompasses the documents and items a loan officer will most likely need to have to process your home loan.

What to bring to your loan application appointment...

Income

Salaried Borrower(s)

W-2 Forms for previous two (20 Years

Most recent paycheck stub(s)

Commissioned/Bonus Borrower(s)

Complete copies of previous two (2) years personal tax returns

Most recent paycheck sub(s)

Self-employed Borrower(s)

Personal, partnership, S-Corp and/or Corporate tax returns for the previous two (2) years inclusive of all schedules and K-Is

Current signed and dated, year-to-date financial statements, including balance sheet and profit and loss statement

Assets/Liabilities

Copy of past three (3) months statements on the following accounts:

Checking

Savings

Brokerage Accounts

Money Market

Retirement Accounts

Other

Miscellaneous

Residence address(es) for the past two (2) years

Complete mailing address for mortgage holder and/or landlord for previous two (2) years

Current lease for each rental property owned and previous two (2) years tax returns with all schedules

Copy of purchase contract on subject property and listing agreement or contract on existing home being sold

Copy of your cancelled earnest money checks

Copy of Divorce decree, Separation Agreement and all addenda for all divorced parties. If divorce is not final, please provide a copy of the temporary orders

If refinancing bring your previous Settlement Statement, Note, Homeowners Insurance Policy and Survey

A check to cover the cost of the credit report and appraisal