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Mortgage Checklist

Whether you’re a first-time home buyer or downsizing for retirement, the home loan process can be overwhelming.

The home loan process takes time. Please be sure to bring the following items with you when you meet with your Mortgage Loan Officer as these may be critical to your loan being completed in a timely manner.
 
  • Paycheck stubs for all borrowers from the last 30 days.*
  • W-2’s for all borrowers from the last 2 years.*
  • Personal Tax Returns for all borrowers, including all pages and schedules, from the past 2 years.
  • Business Tax Returns for all entities owned, including all pages and schedules, from the past 2 years.*
  • Bank statements, savings and checking, from the last 2 years.
  • Divorce decree - including all pages.*
  • Bankruptcy discharge papers.*
  • Explanation letter for late payments, collections, etc.
  • Copy of driver’s license for all borrowers.
  • Copy of purchase agreement.
  • Copy of all pension statements, “award” letter, etc.*
  • Copy of Social Security annual “award” letter, statement, etc.*

 *if applicable

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Spirit Mortgage
6604 Frankford Ave, Lubbock, TX  79424
Office:  (806) 798-5800
Fax:  (806) 667-2070
Mortgage@SpiritMortgage.net
Copyright © 2017 Spirit Mortgage a Division of First United Bank
NMLS#: 405716
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