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Mortgage Checklist

The following information is usually required during the loan process:

If you have any questions about this list of required documents, please call your loan officer.

 Income Documents

If you are employed:

  • W2’s for the past 2 years
  • 1 month of  most recent paystubs
  • The last 2 years personal (1040) tax returns, all pages, sign all signature pages
  • The last 2 years 1040 tax returns, all pages, sign all signature pages

If you are self employed:

  • Business License
  • Letter signed by CPA verifying the length of time self-employed
  • The last 2 years personal (1040) tax returns, all pages, sign all signature pages
  • If applicable, last 2 years corporate, partnership, LLC tax returns, all pages, sign all signature pages
  • If applicable, all K1’s
  • The last 2 years 1099’s

If you are retired:

  • Award letters for any Social Security and/or retirement income
  • The last 2 years personal (1040) tax returns, all pages, sign all signature pages

Other Income:

  •  If you are using or paying alimony or child support, copy of settlement agreement, all pages

Asset Documents

  • Past 3 months bank statements showing receipt or payment, all pages even if blank
  • If you are claiming rental income, please provide current leases.
  • Bank statements, 2 months, all numbered pages even if blank
  • 401 statement, 1 quarter, all pages
  • IRA statements, 1 quarter, all pages
  • All other financial investment used on application, 1 quarter, all numbered pages even if blank
  • Written explanation of any large deposits on either bank statements or financial investment that are not from payroll earnings

Other Documents

  • Legible copy of Drivers License or passport
  • Copy of Social Security Card
  • If Bankrupt during last 10 years, bankruptcy discharge papers

If you are refinancing:

  • Current mortgage statement
  • Copy of Homeowners Insurance: Declaration page
  • Recent copy of Property Tax bill or receipt
  • Copy of the Note for your current mortgage
  • If you own a condominium, Homeowners Association’s name, address and phone number

If you are purchasing:

  • Purchase and Sale Agreement, fully executed
  • Copy of escrow check
  • If applicable, name, address and phone number of buyers attorney
  • If applicable, name, address and phone number of current landlord
  • The last 2 years personal (1040) tax returns, all pages, sign all signature pages
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MLB Residential Lending, LLC. is a licensed lender in the following states:

New Jersey - Licensed by the New Jersey Department of Banking and Insurance
Pennsylvania - Licensed by the Pennsylvania Department of Banking and Securities
New York - Licensed by the New York Department of Financial Services
Florida - Mortgage Lender Service License #MLD1128
Connecticut – Licensed by the Connecticut Department of Banking
Delaware - Licensed by the Delaware Office of the State Bank Commissioner
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