Items Which May Be Required
Applying for a mortgage is easier when you’re prepared. This Loan Checklist outlines the documents and information typically needed to keep your application moving smoothly. Use it as a simple guide to stay organized, avoid delays, and move one step closer to closing with confidence.
ALL BORROWERS
If paid off mortgage in the last two (2) years - need copies of HUD-1
Copies of paycheck stubs for the last 30 days (most current)
Copies of checking and savings account statements for last two (2) months (all pages, even if blank)
Copies of quarterly or semi-annual statements for checking, savings, IRAs, CDs, money market fund, stock, 401K, profit sharing, etc.
Copy of sales contract when ratified
Employment history for the last two (2) years (address any gaps of employment)
Residency history over the last two (2) years (name, phone number, address and account number of land or mortgage company). For rental property - need copies of leases plus mortgage information.
Canceled earnest money check when it clears or corresponding bank statement, if applicable
Commission or bonus income - if 25% or more of base, must have tax returns
For a refinance - need Copy of Note, Deed of Trust, Settlement Statement, Survey, and Insurance information
Any assets used for down payment, closing costs, and cash reserves must be documented by a paper trail
Copy of driver's license for applicant and co-applicant
Copies of most recent two (2) years tax returns (with all schedules including K-1s if applicable)
Copies of W-2s for the last two (2) years
SELF-EMPLOYED BORROWERS
Copies of most recent two (2) years tax returns (with all schedules including K-1s if applicable)
Copy of current profit & loss statement and balance sheet
Copy of corporate/partnership tax returns for most recent two (2) year period. If owning 25% or more of company - need copies of W-2s and/or 1099 forms.
DOCUMENTS WHICH MAY BE REQUIRED
Previous bankruptcy - need copies of petition for bankruptcy and discharge, including supporting schedules
Divorce Decree, if applicable
Documentation supporting moneys received from social security/retirement trust income (i.e. copies of direct deposit bank statements, awards letter)
REFINANCE CHECKLIST
Association or Condo payment coupon
Copy of Mortgage Payment Coupon (also 2nd mortgage coupon if this applies)
Copy of Warranty Deed
Copy of Owners Title Insurance Policy
Copy of Homeowner's and Flood Insurance Policy
Copy of Property Survey
Thank you to you and team for getting my wife and me our first house.
07/28/2026
I want to give a big shout out to Micheal Hodges with interlinc mortgage! The whole process was absolutely flawless! Thank you for all of your hard work!!
Maryville, TN, 07/28/2026
Paul is amazing! He is honest and works for the customer. He got us an approval letter the same day requested, even on a holiday. I would trust Paul with any further lending that I may need
07/28/2026
Bob was fantastic throughout our entire mortgage process. He truly cared about us, kept us informed every step of the way, and went to bat for us when challenges came up. His knowledge, professionalism, and dedication made all the difference in getting us to the closing table. We are so...
07/28/2026
Everyone I worked with made this process so eas. I appreciate everyone for being so patient and very knowledgeable anything I didn't quite understand they made sure to get me the exact information I neede. Thank yall!!
Crosby, TX, 07/25/2026
