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Mortgage Loan Checklist

Settlers bank wants to make your home loan application process as fast and easy as possible.  To help you, here's a checklist of information you'll need for the application.

Information about you:

  • A completed application
  • Copy of your driver's license
  • 2 years of federal tax returns including W-2s (may vary)
  • Copies of 30 days worth of pay stubs
  • Last two months of checking and savings bank statements
  • Most recent copies of 401(k), pension or other investment account statements

Information about the home:

  • Signed copy of the Offer to Purchase Contract
  • Copy of the cleared earnest money check
  • Blueprints, plans and specs for new construction
  • Copy of homeowner's insurance policy (and flood insurance policy if applicable) if you are refinancing, or an insurance binder if this is a new purchase
  • Copy of most recent mortgage statement if you are refinancing

Special circumstances only:

  • Copy of divorce decress and/or proof of receipt of child support, alimony and/or spousal maintenance
  • Any award letters, if applicable (Social Security, Disability, or Unemployment Comp)
  • If you own investment property or a second home, provide copies of current rental leases and a recent mortgage statement
  • If in school in the last two years, provide copy of degree or certificate and certified transcripts
  • If selling a present home, provide a Settlement Statement (HUD-1)
  • If you are self employed: 2 years of business tax returns, all schedules and K-1s

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