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Home Loan Application Checklist

The information as well as the documents you may be asked to provide when you begin the real estate loan application process.


  • Full legal name, Social Security number, Date of Birth
  • Phone number, email address, current and former residential/mailing addresses over the last two years
  • Gross income amount, including primary, secondary and part-time jobs, as well as overtime, bonuses, and commissions, if applicable
  • Secondary income sources and amounts, if you want them considered for repaying this loan – including retirement or veteran’s benefits, disability payments, alimony, child support, and rental or investment income
  • Name, address, and phone numbers of all employers over the last two years
  • Bank account, retirement, investment, and other asset accounts with account numbers and addresses
  • Current expenses including housing, credit card and loan payments, child support and other obligations


Your personal mortgage specialist will ask you to provide some or all of the documents listed below. Be prepared to provide additional documents as your application moves further along the process.

Income / Employment / Assets

Request for Tax Transcript, completed, signed and dated (IRS Form 4506-T)

Pay stubs covering the last 30 days with year-to-date information included (for all jobs and applicants)

W-2s for the past two years

Federal tax returns (1040s)for the past two years

Written explanation if employed less than two years or employment gap exists within the last two years

Asset / Bank statements— Most recent two months’ statements for all accounts listed on the application– all pages


Credit explanation letter for late payments, collections, judgments or other derogatory items existing in credit history

Source of funds documentation for any large deposits on asset statements (outside of payroll or gift fund deposits)

Judicial decree or court order for each obligation due to legal action (example: lawsuit, judgment, child support)

Bankruptcy / Discharge papers for any bankruptcies existing in credit history

Payment History for public utilities, phone company, cable, car insurance, and other expenses

If Self-employed

  • Federal tax returns (personal as well as business returns) — complete copies for the last 3 years
    Profit and loss statement— year-to-date
    List of all business debts


  • Driver’s License and Social Security card— legible copies
  • Homeowner’s insurance information including agent’s name and phone number
  • Purchase contract — signed by all parties (fully executed)


  • Address of property being purchased, year built (if known), estimated down payment amount, purchase price

Related links:

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