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ApplyApplicant 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]
1.1 ☐ 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)
2.1 ☐ 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)
3.1 ☐ Personal tax returns for the last [__] years (signed)
3.2 ☐ Tax transcripts (if requested)
3.3 ☐ Proof of tax payment plans (if applicable)
4.1 ☐ 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)
5.1 ☐ 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)
6.1 ☐ 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)
7.1 ☐ 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
8.1 ☐ 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]
Applicant: [Name]
Date: [Date]
Signature: ___________________________
Co-Applicant (if any): [Name]
Date: [Date]
Signature: ___________________________
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For quick answers, scroll below to see the FAQ.
Frequently asked
A Home Loan Application Checklist is a document that lists the information and paperwork borrowers commonly need to provide when applying for a mortgage. It helps borrowers prepare faster and reduces delays caused by missing documents.
Common items include: government ID, proof of income (pay stubs, W-2s/1099s), tax returns, bank statements, proof of assets, employment verification, credit authorization, and property documents once you’re under contract (purchase agreement, insurance, appraisal info).
No. Requirements vary by lender, loan type, borrower income source, and property type. This template provides a general checklist you can tailor to a specific lender’s request.
Self-employed borrowers often need additional items like business tax returns, profit-and-loss statements, business bank statements, and proof of business ownership. This template includes an optional section for self-employed applicants.
Go through it before submitting your application, gather copies, and keep everything organized. Once you have a loan officer, ask for any lender-specific requirements and add them to the checklist.
AI Lawyer is an AI-powered assistant that helps you create and customize legal and business document templates online. It guides you through key sections, suggests wording, and explains complex concepts in simple language. AI Lawyer does not replace a licensed attorney or provide legal advice, but helps you prepare better documents faster and more confidently.
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