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Home Loan Checklist

Each Loan Application is unique; let's get started with the basics:

Income

Waged Income Earner:

  • Most recent two years filed, signed & dated federal tax returns (1040)
  • Most recent two years W2(s)
  • Paystubs covering the last 30 days

Self Employed Income:

  • Most recent two years filed, signed & dated personal (1040) & business (1065, 1120 or 1120-s) federal tax returns
  • Most recent two years W2, 1099’s & K1’s
  • Signed & dated YTD Profit and Loss statement for all businesses

Retirement, Pension, or Disablity Income:

  • Most recent two years filed, signed & dated federal tax returns
  • Most recent two years 1099’s
  • Current year retirement, Pension or Disability award letter

Note: if receipt of income is less than two years please provide deposit history for the last 3 months and award letter.

Additional Income:

  • Filed and recorded court order
  • 12 Months of deposit history

Supporting Documentation

 Constuction:

  • Deed for free and clear land*
  • Approved builder contact information*
  • Copy of Builders Risk Insurance Policy*
  • Contract*
  • Draw Schedule*
  • Specs*
  • Plans*

Debt Consolidation:

  • Current Mortgage Statement
  • Statement copies of items for consolidation
  • Copy of Home Owners Insurance Policy
  • Copy of Recent Property Tax Statement

Home Improvement:

  • Current Mortgage Statement
  • Bid for work being completed
  • Copy of Home Owners Insurance Policy
  • Copy of Recent Property Tax Statement
  • Contract*
  • Draw Schedule*
  • Specs*

 Purchase:

  • Sales Contract*
  • Copy of Home Owners Insurance Policy*

Refinance:

  • Current Mortgage Statement
  • Copy of Home Owners Insurance Policy
  • Copy of Recent Property Tax Statement

*These items are not required for to move the file into processing stages.

 

Navy Army Community Credit Union NMLS 500822
PO BOX 81349, Corpus Christi, TX  78468
Toll Free:  (800) 622-3631 Ext. 1002
re@navyarmyccu.com
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