Mortgage Loan Checklist

The following is a list of items and information your lender will probably need in order to process your loan in a timely fashion.

Residence History:

  • Complete addresses for all residences for the past 2 years
  • Length of time at each residence
  • If Renting – Landlord name, complete address and phone number

Credit Explanations:

  • Bankruptcy Papers (If applicable)
  • Divorce Papers including child support order (If applicable)
  • For VA Loans – Certificate of Eligibility and DD214
  • Letter of Explanation for any derogatory credit

Employment History:

  • Employer(s) name(s) and complete address for the past 2 years
  • Dates of Employment for each job
  • Paystubs covering the most recent thirty (30) day period
  • W-2 Forms for the most recent two (2) years
  • ALL Pages of Most Recent two (2) years Federal Tax WITH Schedules if commission income exceeds 25% of gross income of Self-Employed
  • Explanation for any gaps in employment
  • Documentation to verify any additional income such as child support or pension (ex: Award Letter, Monthly Statement evidencing payment amount and balance, etc.)


  • Name and addresses for all financial institutions
  • Account numbers for all financial accounts
  • ALL Pages of Most Recent Bank and/or Brokerage Account Statements covering the most recent 90 day period
  • Explanation for any NSF’s


  • Name and addresses for all creditors
  • Account numbers for all liabilities
  • Current balances owed
  • Monthly payments and number of payments remaining

Real Estate

  • Complete property addresses for all real estate owned
  • Market Values for all properties
  • Outstanding loan balances
  • Copies of property tax and homeowner’s insurance statements
  • Amount of Homeowner Association Fees for all properties

Personal Property

  • Year, Make and Value for all automobiles owned
  • Value of your furniture and other personal property

About luxpropertygroup

Lux Home Group consists of FULL TIME real estate professionals in the Phoenix area. Real Estate is not only our job, it is our passion. So, if you are interested in buying, selling, or renting a home in the greater Phoenix Metropolitan Area, or you would like to get involved in the fabulous world of real estate sales or investing, give us a call at 480.442.1442 or email us at If you just want to hang out with some super fabulous can call us for that, too.

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