Purchase & Refinance Checklists

Documents you need for your mortgage application
  • Gather employment and tax information.
  • Download statements from banks and investment funds.
  • Trust in guaranteed confidentiality.

Being prepared will help the loan process move faster.

Free to call on your Home Loan Advisor if you need assistance.

Paystubs and purchase agreements. Tax documents and property descriptions. Yes, our checklists are pretty thorough. We promise that all this information plays an important role in qualifying you for a loan. And we also promise that we'll maintain the highest levels of confidentiality and security when handling your personal information.

If you are ready to apply for a home loan through First Bank Mortgage, here is a quick list of items we will ask of you when we begin the loan approval process.

  • Personal check to pay for appraisal and credit report
  • Name and address of all employers for the last two years including dates of employment and the human resource office phone number
  • Account numbers, balances and monthly payments for all outstanding creditors. Common examples might be a credit card, car loan or a student loan.
  • Your previous addresses for the past two years (if applicable)
  • Photo identification. This is a federal requirement for financial institutions for any individual who opens an account.
  • W-2 forms for the past two years
  • Paycheck stubs covering your most recent 30 days of employment.
  • Bank statements for past two months. Must include the financial institution name, address, specific account numbers and your account balance amounts.
  • Asset account statements. Common examples include any type of IRA, 401(k), mutual funds and stock investments
  • Copy of complete divorce decree (if applicable).
  • Tax returns for the past two years. We will need to see all schedules for self-employed individuals with 25% or more ownership
  • Copy of the listing, purchase agreement, or closing statement for your present home that is for sale or already sold
  • All bankruptcy and discharge papers, if applicable
  • Purchase agreement and all addendum signed by the buyer and seller if you are purchasing a home
  • Realtor information. We will need the agency's name and their primary contact information.
  • Property information listing sheet or computer print-out indicating lot size, taxes, square footage and year built
  • Seller’s disclosure for home you are buying, if you're applying for a VA or FHA loan
  • Certificate of eligibility, if you're applying for a VA Loan
  • Copy of Warranty Deed, if the property you're purchasing is owned free and clear
  • Phone number and address of your licensed builder, blueprint plans, legal description of lot, build specifications and a copy of the contract (This applies only for new home construction.)

Refinancing Your Home? We’ve Included a Home Refinance Checklist!

You’ve made an excellent choice to refinance your home with First Bank Mortgage. To expedite the  refinancing process, we’ve included a list of items you’ll need to have on-hand and available:

Property/Structure/Dwelling Details

  • A current balance on all existing mortgages
  • A current escrow balance on all existing mortgages
  • Current property tax amounts
  • A current homeowners insurance policy detailing the address of the covered property, dwelling coverage, along with the premium amounts and date of renewal
  • Owner's Policy of Title Insurance that protects you against any unforeseen property title issues
  • If you own your home or property and don't have a current loan against the property, please provide a copy of the Warranty Deed.

Personal Employment Details

A complete list of all employers for the last two years, including:

  • Valid employment dates
  • Human resource office phone numbers for each employer
  • W-2 forms for the past two years
  • Valid paycheck stubs for the prior 30 days
  • Tax returns for the prior two years. Self-employed individuals should include schedules if 25% or more ownership is held

Personal Information Required

  • Any previous addresses for the past two years
  • Valid photo identification. This is a federal requirement for financial institutions for any individual who opens an account.
  • All outstanding debt and creditors, including account numbers, current balance(s), and all monthly payments. This includes, for example, credit cards, student loans and car loans.
  • Valid banking statements for the past two months, including financial institution name, address, and balances, and the account numbers for all accounts
  • All account statements for assets, including 401(k), mutual funds, stocks, or any type of IRA account
  • If you are divorced, please bring a copy of the official divorce decree and property settlement agreement.
  • If applicable, bankruptcy and discharge papers
  • A valid personal check or credit card number to pay for the credit report and appraisal.
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