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First United Mortgage - Mortgage Check list

This checklist informs you of the documentation that you will need to provide us when you initially apply for a mortgage. We will advise you exactly on which documents to provide. Photocopies and documentation by e-mail are acceptable. Please feel free to contact us with any questions.

Check List

Salaried borrowers:

☐Pay stubs for all borrowers for the last 30 days.
☐W-2 forms for all employment for all borrowers for the previous 2 years.
☐Names, phone numbers and addresses of each employer (for the past 2 years), including dates of employment.

Self-employed borrowers:

☐Personal tax returns (for the last 2 years including all schedules).
☐Business tax returns (for the last 2 years including all schedules).
☐Current financial statement, signed and dated, including balance sheet and profit and loss statement.
☐1099s if applicable.

Commissioned/Bonus Borrowers:

☐W2 forms.
☐Complete copies of previous 2 years personal tax returns including all schedules.
☐Pay stubs for the last 30 days.

If you own more than 25% of a business:

☐?Corporate or partnership tax returns (for the last 2 years including all schedules).

Asset Verification:

☐Present value of all real estate owned.
☐Copy of the past 2 months statements (including account names, account numbers, addresses, and balances) on the following accounts:
☐Checking (all accounts, all pages).
☐Mutual fund accounts
☐Stocks, bonds, life insurance
☐Money market
☐Retirement accounts (IRA, 401k, etc.)
☐Other☐Make, model, year and estimated value of all automobiles.

If you have made any large deposits to your accounts within the last 90 days:

☐Source of deposit and explanation letter.
☐Copy of deposit receipt.
☐If the deposit was a gift, include a signed gift letter. Here is a sample gift letter:

If you are refinancing:

☐Copy of your mortgage statement if there is a lien to be paid off.
☐Copy of your most recent homeowner's insurance bill.

If you are purchasing a property:

☐Purchase agreement.
☐Copy of your canceled earnest money checks.
☐Legal description of the property. (May be obtained from the real estate agent.)
☐MLS listing sheet. (May be obtained from the real estate agent.)
☐If your current home is for sale, copy of the listing contract.
☐If new construction, provide plans/drawings and specifications, copy of the builder's contract, copy of settlement statement from the land purchase (if owned less than one year).
☐If you are in the process of selling your home (signed purchase agreement but you haven't closed yet), provide a copy of the purchase agreement as well as a copy of the HUD-1 settlement statement.

If you own rental property:

☐Copies of current rental agreements, fully executed.

If you have a pension:

☐Pension award letter, pay stubs, and any forms showing duration of payments.
☐2 years of 1099s.

If you receive social security and/or disability payments:

☐Provide a copy of your award letter along with a recent check stub or copy of a bank statement if the funds are deposited electronically through direct deposit.
☐2 years of 1099s.

Debt verification:

☐Mortgage loans
☐Credit cards
☐Personal loans
☐Automobile loans
☐Student loans


☐Complete mailing address for mortgage holder and/or landlord for the previous 2 years.
☐Copy of photo id for all borrowers.
☐Copy of social security cards for all borrowers.
☐If applicable, copies of 12 months of canceled rent checks. Also include the name and address of your landlord.
☐Relocation agreement (if you were transferred to the area).
☐If you were a full-time student during the last 2 years, a copy of your diploma or transcripts.
☐Name, phone number, address and e-mail address for your real estate agent.
☐Name, phone number, address and e-mail address for your attorney (if applicable).
☐If applicable, copy of your divorce decree, separation agreement, and all addenda for all divorced parties. If the divorce is not final, provide a copy of all temporary orders.
☐Written explanation of credit anomalies, including: late payments, credit inquiries within the last 90 days, charge-offs, collections, judgments and/or liens.
☐If applicable, 12 months of canceled alimony checks.
☐If applicable, 12 months of canceled child support checks. Copy of court order and ages of children.
☐If you filed bankruptcy within the last 7 years, provide a copy of your bankruptcy papers.
☐Name, address and phone number of condominium management company (if applicable).
☐If you are not a U.S. citizen, provide a copy of the front and back of your green card.
☐A check to cover the cost of your credit report and appraisal.

We will request some of the above items from you. Please remember that additional documentation may be required, depending upon your specific situation. We will do our utmost to keep the loan process as simple and smooth as possible for our clients.


equalFirst United Mortgage Corp.
1440 Maple Ave #8B, Lisle, IL 60532
Main : 630 737 1700
Toll free : 800 243 2168
Fax : 630 737 0657
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