Document Checklist and Instructions

A properly documented loan application makes your loan process go smoothly. This checklist will help you gather your paperwork.

1. Complete and sign the residential loan application, Form 1003, and the attached  credit authorization notice. Page 4 of the application is a continuation page in case you need additional space for your assets or liabilities. If you make a mistake while filling out the application cross it out, and make a change. Do NOT use whiteout.
2. If you are salaried: provide W-2's for the previous year and one month of paystubs. If you are self-employed, provide tax returns for the previous year including all schedules. (Note: copies of all documents are fine)
3. If you own rental property, provide lease agreements and most recent tax returns including all schedules.
4. To speed up the approval process, provide bank statements for the most recent  month, and recent statements for stock, mutual funds and IRA/401K accounts.
5. If you are requesting a cash out refinance, sign the Texas Home Equity notice. 
6. If applicable, provide a copy of your divorce decree and settlement agreement.
7. If you are NOT a US citizen, provide a copy of your green card (front & back). If you are NOT a permanent resident provide a copy of your visa.
8. If any borrower has filed bankruptcy, provide the Discharge Notice, Filing and Schedule of Creditors.
9. If you are applying for a refinance loan, supply copy of existing survey and proof of insurance.