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Mortgage Checklist

Thank you for your loan application! In the course of the loan process, you will have to provide the underwriter with detailed documentation of your financial history. Be prepared to provide the following paperwork to your loan officer and loan processor for relay to the underwriter:

  • Clear copies of your driver’s licenses, state ID or passport
  • 10 years of personal address history (This is only needed if it’s not already shown on the loan application.)
  • Copies of checking and savings accounts statements for the past two months (We’ll need all pages and be prepared to explain and document any non-payroll bank deposits that exceed 30% of total monthly gross income but not less than 1000 dollars)
  • Evidence of any other liquid or semi-liquid assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k, Ira’s, mutual funds, pensions, B’s, etc. – I full statement on each)
  • Recent paycheck stubs for each borrower (30 days’ worth)
  • W-2 withholding forms and personal income tax returns for the past two years (all K1′s and 1099′s too if you get them)
  • If any of your income was self-employed, we’ll need 2 years of business returns and a year-to-date profit and loss statement and balance sheet (from CPA or QuickBooks printout, signed and dated)
  • Contact information for your preference of homeowner’s insurance agent
  • Statements on mortgages that will not be paid off prior to closing
  • Signed lending disclosures (These are a compilation of disclosures, authorizations, notices and forms that the state government, federal government and iLoan feel you should have and will be provided by your loan officer and it’s important to get them signed and returned promptly because a loan can’t move to processing and underwriting without them)

Once we've started working on the loan application, you'll get a documentation request though a newly created Online Loan Center. It is a personalized, password-protected site that provides you with 24-hour access to information and requests related to your loan application. You can securely upload your loan documentation to this site. Some of the documentation request will have customized upload buttons but if you run out of upload buttons for the required loan documentation there will always be a document upload button at the bottom of your online loan center for any trailing documents.

  • Here’s a list of what you’ll be able to do at your Online Loan Center:
  • view the status of your loan
  • receive requests for documentation
  • securely upload documentation
  • electronically sign lending disclosures
  • print or save lending disclosures
  • securely upload singed lending disclosures
  • generate fax cover sheets specific to your loan to be sent with disclosures and/or loan documentation

If you ever need to access your online loan center, you can do that here: https://www.mortgage-application.net/MyAccount/AccountLogin.aspx. Should you ever forget your password, you can get it sent to you by going to https://www.mortgage-application.net/MyAccount/ForgotPassword.aspx.

Thomas Cary Jr., Loan Officer - NMLS #371573 NMLS #371573
Lend Smart Mortgage, LLC NMLS #4474
5001 American Blvd Suite 402, Bloomington, MN  55437
Cell:  (651) 276-2272
mail@thomasmymortgageguy.com
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