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The checklist covers pay stubs for the last 30 days, two years of filed federal tax returns with schedules, and W-2s or 1099s matching those tax years, plus Social Security/disability award letters and pension statements when applicable. It also includes bank statements, business ownership tax records with balance sheet and profit and loss statements, rental property documentation, retirement/annuity evidence, and purchase transaction requirements such as executed contracts and source-of-funds.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/home-loan-needs-checklist-mortgage-loan-application-additional-information-documentation/336985/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/home-loan-needs-checklist-mortgage-loan-application-additional-information-documentation/336985.png","ImageObject",442,249,{"name":88,"@type":89},"Kurz","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-23","2026-09-21",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",7,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What income and asset documents are required for a home loan review?","Question",{"text":109,"@type":110},"Provide pay stubs for the last 30 days, filed federal tax returns (1040s) for the past two years with all schedules, and W-2s and/or 1099s for the same years.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What documents are needed if you own 20% or more of a business entity?",{"text":114,"@type":110},"Submit filed federal business tax returns (e.g., 1120/1120S/1065) with all schedules and K-1s for the past two years, along with a signed and dated year-to-date balance sheet and profit and loss statement, and the most recent three months of business bank statements.",{"name":116,"@type":107,"acceptedAnswer":117},"What documentation is required for retirement, government annuity, or pension income?",{"text":118,"@type":110},"Include, as applicable, a statement from the organization providing the income, a copy of the retirement award letter or benefit statement, and copies of signed federal income tax returns and related IRS W-2 and 1099 forms; for trust income, include a trustee’s statement confirming payment amount, frequency, and duration.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},336985,1790380581,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":73,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":9},2336478945635,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","Thank you for your home loan application. We appreciate the opportunity to work with you; we know you have many options when choosing the right mortgage lender to meet your needs. In order to finalize our review and make an informed credit decision, your Mortgage Loan Originator will request the additional information/documentation below. We encourage you to use this checklist and begin gathering these items so that you have them ready when they are requested.  \nIncome and Asset Documentation (including Schedule C income):  \nPay stubs covering the last 30 days  \nFiled Federal tax returns (1040s) for the past two years with all schedules:  \na. If tax returns include Capital Gains, provide the past three years federal tax returns with all schedules  \nb. If your current year tax return has not been filed, please provide a copy of the extension along with the W-2 form(s) or other document evidencing your income for the prior full year  \nW-2s and/or 1099s covering the same years as the tax returns you submit Most recent Social Security and/or Disability income award letter(if applicable)  \nMost recent Pension statement (if applicable)  \nMost recent two months of personal bank statements  \nIf you own 20% or more of a Business Entity :  \nFiled Federal business tax returns (ex. 1120, 1120s, 1065, etc.), with all schedules and K-1s for the past two years:  \na. If your current year tax return has not been filed, please provide a copy of the   extension along with the K-1s  \n  Signed and dated year-to-date Balance Sheet and Profit and Loss   Statement Most recent three months business bank statements  \nIf you report Rental Property Income on your 1040s, please provide the following for all properties owned, including your primary residence:  \nFiled Federal business tax returns (ex. 1120, 1120s, 1065, etc.), with all schedules and K-1s for the past two years:  \na. If your current year tax return has not been filed, please provide a copy of the extension along with the K-1s  \nA copy of your most recent Mortgage Statement, Homeowners insurance policy, Property Tax Bill and Homeowners Association (HOA) invoice  \nContinued…  \nIf you receive retirement, government annuity, or pension income, please provide the following documentation, as applicable:  \n\n|  |\n| --- |\n|  |\n|  |\n|  |\n|  |\n|  |\n\nStatement from the organization providing the income Copy of retirement award letter or benefit statement Copy of financial or bank account statement  \nCopy of signed federal income tax return IRS W-2 form  \nIRS 1099 form  \nIf you receive income from a Trust, please provide the following:  \nA trustee’s statement confirming the amount, frequency, and duration of payments  \nPurchase Transaction: If your loan request is to purchase the property, please provide the following:  \n\n|  |\n| --- |\n|  |\n\nA copy of a fully executed purchase contract  \nThe source of all funds for the purchase of the property  \na. If the source of funds includes a gift from family members, please provide a Gift Letter  \nas well as evidence to support the donor’s ability to gift the funds (ex. Donor’s bank statement)  \nUpon review of the above information, it is possible that other documentation may be required. We will contact you to discuss any additional required items.  \nIf you have any questions, please feel free to contact your Mortgage Loan Originator:  \nOlivia Michelle Brown Santa Barbara County (805) 564-7329 NMLSR ID\\# 879698  \nMontecito Bank & Trust・805-963-7511・770 Paseo Camarillo \\#101 ・Camarillo, CA 93010 NMLS \\#472185","cbCailUWIiKQXKl4","https://ap.wps.com/l/cbCailUWIiKQXKl4","pdf",159860,"English","# Income and Asset Documentation\n## Business Entity Documentation\n## Rental Property Income Documentation\n## Retirement and Pension Income Documentation\n## Purchase Transaction Documentation","[{\"question\":\"What income and asset documents are required for a home loan review?\",\"answer\":\"Provide pay stubs for the last 30 days, filed federal tax returns (1040s) for the past two years with all schedules, and W-2s and/or 1099s for the same years.\"},{\"question\":\"What documents are needed if you own 20% or more of a business entity?\",\"answer\":\"Submit filed federal business tax returns (e.g., 1120/1120S/1065) with all schedules and K-1s for the past two years, along with a signed and dated year-to-date balance sheet and profit and loss statement, and the most recent three months of business bank statements.\"},{\"question\":\"What documentation is required for retirement, government annuity, or pension income?\",\"answer\":\"Include, as applicable, a statement from the organization providing the income, a copy of the retirement award letter or benefit statement, and copies of signed federal income tax returns and related IRS W-2 and 1099 forms; for trust income, include a trustee’s statement confirming payment amount, frequency, and duration.\"}]","Home Loan Needs Checklist - mortgage loan application additional information documentation | PDF",1790017297]