List of Documents

To ensure all financial facets are accurate, lenders and banks require a paper trail for income, assets, employment, and any credit discrepancies.

2 Forms of Identification (Patriot Act)

2 Years Tax Returns (Personal and Business)

2 Months Bank Statements (Checking/Savings)

2 Months Asset Statements (Stocks, 401(k), etc.

2 Most Recent Paystubs

HR Contact Number (to Verify Employment)

Self-Employed - Occupational License

Self-Employed - P&L Statement (Current)

Self-Employed - 1099 Forms

Child Support or Alimony Documentation

Divorce Decree (if applicable)

Purchase Contract

Escrow Deposit Verification (from Realtor or Title/Attorney)

Refinance - Prior Title Policy (Save on Title Insurance)

Refinance - Prior Survey (Save on Survey Cost)

Printable List
URLA_FirstPage

ADDITIONAL DISCLOSURES

CREDIT AUTHORIZATION

There are two main types of credit inquiries:

  1. Soft Inquiry

    • Doesn’t affect your credit score.

    • Examples: You checking your own score, pre-approvals, background checks.

  2. Hard Inquiry (this is what happens with a mortgage application)

    • Does impact your credit score—slightly.

    • Happens when a lender pulls your report to decide whether to lend you money.

MORTGAGE SERVICING

Tells you whether your lender intends to service your loan or transfer it to another company.

LOAN ESTIMATE

  • When you get it: Within 3 business days after applying for a mortgage.

  • What's inside:

    • Loan terms (interest rate, monthly payment, loan amount)

    • Estimated closing costs

    • Estimated taxes and insurance

    • Prepayment penalties or balloon payments (if any)

It's meant to help you compare loan offers from different lenders.

PRIVACY POLICY

Vivamus magna justo, lacinia eget consectetur sed, convallis at tell. Praesent sapien massa, convallis lorem ipsum.

CD (Closing Disclosure)

  • When you get it: At least 3 business days before closing.

  • What's inside:

    • Final loan terms

    • Exact closing costs and cash to close

    • Detailed breakdown of fees (lender fees, escrow, title insurance, etc.)

➡️ Review this carefully—it’s your final version of the Loan Estimate.

Curabitur non Sit amet nisl

Vivamus magna justo, lacinia eget consectetur sed, convallis at tell. Praesent sapien massa, convallis lorem ipsum.

What people say about it

Vivamus magna justo, lacinia eget consectetur sed, convallis at tellus. Praesent sapien massa, convallis a pellentesque nec, egestas non nisi. Curabitur aliquet quam id dui posuere blandit Cras ultricies ligula sed magna dictum porta.

Vivamus magna
Lacinia eget

Vivamus magna justo, lacinia eget consectetur sed, convallis at tellus. Praesent sapien massa, convallis a pellentesque nec, egestas non nisi. Curabitur aliquet quam id dui posuere blandit Cras ultricies ligula sed magna dictum porta.

Vivamus magna
Lacinia eget

Don't miss out on our most popular WordPress design ebook

Quisque commodo id mi non porttitor. Aenean sapien eros, commodo in lectus eu, auctor pretium diam. Mauris non orci quis est hendrerit laoreet id eget purus. Vivamus id ex non urna pulvinar consequat. Convallis a pellentesque nec, egestas non nisi.

Exclusive bonus for first 100 downloads
Mauris non orci hendrerit laoreet first 100 downloads

Get your free premium e-book today