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January 28, 2021 Mortgage

Mortgage Underwriting Checklist

After you’ve been pre-approved for a mortgage loan, having the information and documentation you need will help ease the process of completing your application and prepare you for closing. Here’s a checklist of the items you may need.

Executed real estate contract

Employee information

List of assets

List of liabilities

Appraisal fee (approximately $575*)

Signed/E-Signed disclosure package

Intent to proceed (verbal or written)

Membership verification, or become a member (if not currently)

Gift Letter (if receiving gifted funds for closing)

Two consecutive recent pay stubs for all borrowers

Two years personal federal tax returns and two years of W-2s

Self Employed Borrowers only; last Two years business and personal tax returns, as well as current financial statements

Two consecutive months of recent bank statements with transaction history – all bank or credit union accounts

Recent 401K statement, mutual funds statement, and/or brokerage account statement

Documentation that verifies any additional income sources to be considered

*Actual cost and fees may differ based on your qualifying rate and loan terms.

Equal Housing Lender