Home Loan Application Checklist Template

Applicant Name(s): [Name(s)]
Loan Type (Optional): ☐ Conventional ☐ FHA ☐ VA ☐ USDA ☐ Jumbo ☐ Other: [Type]
Property Type (Optional): ☐ Primary residence ☐ Second home ☐ Investment property
Property Address (if known): [Address]
Lender/Loan Officer (Optional): [Name/Company]
Application Date: [Date]

1. Personal Identification

1.1 ☐ Government-issued photo ID (driver’s license/passport)
1.2 ☐ Social Security number / Tax ID (as required)
1.3 ☐ Proof of current address (if requested)
1.4 ☐ Residency/visa documentation (if applicable)

2. Income and Employment

2.1 ☐ Most recent pay stubs (last [] days)
2.2 ☐ W-2s for the last [] years (or local equivalent)
2.3 ☐ Employment verification letter (if requested)
2.4 ☐ Bonus/commission documentation (if applicable)
2.5 ☐ Proof of other income (child support, alimony, pension, rental income)

3. Tax Documents

3.1 ☐ Personal tax returns for the last [__] years (signed)
3.2 ☐ Tax transcripts (if requested)
3.3 ☐ Proof of tax payment plans (if applicable)

4. Assets and Bank Statements

4.1 ☐ Bank statements for the last [] months (all pages)
4.2 ☐ Retirement/investment account statements (last [] months)
4.3 ☐ Proof of down payment funds (source documentation)
4.4 ☐ Gift letter and proof of gift funds (if using gift funds)
4.5 ☐ Documentation for large deposits (if requested)

5. Debts and Credit

5.1 ☐ Authorization to pull credit report (if required)
5.2 ☐ Current statements for loans/credit cards (if requested)
5.3 ☐ Bankruptcy/discharge documents (if applicable)
5.4 ☐ Divorce decree/child support orders (if applicable)

6. Property and Purchase Documents (If Under Contract)

6.1 ☐ Signed purchase agreement/contract
6.2 ☐ Earnest money receipt and proof of payment
6.3 ☐ Homeowner’s insurance quote (or proof of coverage)
6.4 ☐ HOA documents (if applicable)
6.5 ☐ Property tax information (if available)

7. Self-Employed / Business Owners (Optional)

7.1 ☐ Business tax returns for the last [] years
7.2 ☐ Profit & loss statement (year-to-date)
7.3 ☐ Balance sheet (if requested)
7.4 ☐ Business bank statements (last [] months)
7.5 ☐ Business license/registration and ownership documents

8. Additional Items (Optional)

8.1 ☐ Letter of explanation for: [Credit inquiries / gaps in employment / address changes]
8.2 ☐ Identification for all borrowers/co-borrowers
8.3 ☐ Other lender-specific requirements: [List]

Signatures

Applicant: [Name]
Date: [Date]
Signature: ___________________________

Co-Applicant (if any): [Name]
Date: [Date]
Signature: ___________________________