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Mortgage Application Checklist

At 1st Colonial, we want to make financing a new home as easy as possible for you.

So here is a helpful checklist of items that you will need available to keep the process running smoothly. Your lender can guide you and answer any questions you may have.

Personal Information

  • Full legal name
  • Social Security number
  • Date of birth
  • Phone number
  • Last two years’ addresses
  • Photo ID

Income Verification And Documentation

  • Name, addresses and phone numbers for all employers over the last two years
  • W-2s for the past two years
  • Pay stubs covering the past 30 days

Self-Employed, Landlords, Commissioned Borrowers, Business Owners Holding 25% Or More Ownership

  • Federal tax returns (personal and business if applicable) for the past two years (signed and dated)
  • Profit and loss statement—year to date, balance sheet and list of all business debts (self employed browsers)
  • Current leases (landlords)

Retirement, Social Security, Disability, Other Compensation Or Income

  • Award letter, if applicable and evidence of current receipt with continuance for at least three years from the date of application (We are happy to help navigate through documentation requirements and answer questions!)
  • A copy of the divorce decree or separation agreement if receiving (or obligated to pay) alimony, child support or separate maintenance

Deposit/Asset Verification

  • Bank statements, most recent two months (all pages)
  • Retirement and investment statements, most recent quarter (all pages)


  • Credit explanation letter for late payments, collections, judgments or other derogatory items in credit history
  • Bankruptcy/discharge papers for any bankruptcies in credit history

Purchase Loans

  • Purchase and sale agreement along with all agenda, signed by all parties

Refinance Loans or Home Equity Loans and Lines of Credit

  • Copy of deed
  • Homeowner’s insurance declaration page
  • Current mortgage statement

Construction Loans

  • Construction contract/estimates signed by all parties,
  • Draw schedule
  • Receipts for payments and deposits you have made thus far

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