[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-279404-105":53,"doc-detail-279404-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","mortgage-loan-application-checklist-final","Mortgage Loan Application Checklist - Final","","Mortgage loan application checklist detailing the documentation commonly required to support income, assets, and residence information for an initial mortgage appointment. Covers employment and income verification (W-2s, pay stubs, Social Security or pension proof, and qualifying child support), asset evidence such as bank and investment statements, and residence history including rental and landlord details. Includes guidance for down-payment funding sources, real estate sale proceeds, property valuation and rental income, and miscellaneous items like closing attorney details, insurance contacts, and explanations for credit or employment gaps.",{"@graph":63,"@context":118},[64,80,101],{"@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/mortgage-loan-application-checklist-final/279404/",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/mortgage-loan-application-checklist-final/279404.png","ImageObject",442,249,{"name":88,"@type":89},"WPS_1786070896","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-23","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":20},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What documents are typically needed to verify income for a mortgage application?","Question",{"text":108,"@type":109},"Prepare W-2 forms for the past two years and pay stubs from the last 30 days showing year-to-date earnings. Include proof of Social Security or pension income if applicable, and documents for divorce/separation/property settlement or child support/alimony when you want it considered as qualifying income.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What asset documents should applicants bring?",{"text":113,"@type":109},"Bring bank statements for the most recent two months, including all pages even if blank, for accounts held outside Directions Credit Union. Also provide statements for 401(k), pension, and other investments, and if self-employed, include signed Federal 1040s plus asset and checking/savings/IRA/401(k) and other retirement and investment statements.",{"name":115,"@type":106,"acceptedAnswer":116},"What additional items are required for purchase vs. refinance transactions?",{"text":117,"@type":109},"For a purchase, bring the signed and executed purchase agreement with all addenda and the canceled deposit check, plus your Realtor’s contact details. For a refinance, provide the current mortgage monthly statement, survey/title policy/homeowner’s insurance, any statements for equity loans or lines of credit if applicable, and the mortgage note for FHA and VA loans.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},279404,1789520055,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":20,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":125,"read_time":4},549768072016,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","MORTGAGE LOAN APPLICATION CHECKLIST  \nWhile exact documentation requirements will vary depending upon the individual characteristics of a mortgage loan request, this checklist outlines the items most commonly required in connection with a mortgage loan application. Bringing these documents to your initial mortgage loan application appointment will expedite the processing of your application.  \nIncome information  \n\n| q Copies of your W-2 forms for the past 2 years\u003Cbr>q Pay stub(s) for the last 30 days, showing year-to-date and current period earnings\u003Cbr>q Proof of Social Security or Pension Income, if applicable\u003Cbr>q Copy of divorce decree, separation agreement, or property settlement agreement, if applicable\u003Cbr>q Proof of child support/alimony income, if you want to have it considered as qualifying income\u003Cbr>Assets |\n| --- |\n| q Bank statements (all pages, even the blank ones) for the most recent TWO months for any accounts held outside of Directions Credit Union\u003Cbr>q Most recent 401k, pension, and/or other investment account statements (all pages)\u003Cbr>If you’re self-employed: |\n| q Copies of your signed Federal 1040s for the past 2 years (all schedules and all pages)\u003Cbr>q Asset information\u003Cbr>q Copies of your statements for past 2 months, or your last quarterly statement, for all checking, savings, IRA, 401(k) or other retirement program, stock and mutual fund accounts (all pages)\u003Cbr>Residence information |\n| q Street address of every residence you have lived in during the past 2 years\u003Cbr>If you are currently renting: |\n\nq Your current landlord’s name(s), address and phone number  \nIf you are receiving money from a relative for the down payment:  \n\n| q Copy of gift letter (mortgage consultant will provide a form to you)\u003Cbr>q Proof of the donor’s ability to give funds\u003Cbr>q Documentation of your receiving the funds\u003Cbr>If you are selling Real Estate and the proceeds will be used for the down payment: |\n| --- |\n| q Copy of the executed sales agreement\u003Cbr>q Copy of the Closing Disclosure\u003Cbr>If you own Real Estate other than your primary residence: |\n| q Street address\u003Cbr>q Current market value\u003Cbr>q Lender’s name and account number\u003Cbr>q Property taxes and insurance costs\u003Cbr>q Proof of any rental income\u003Cbr>(current leases and/or all pages of last 2 years tax returns)\u003Cbr>Miscellaneous information |\n| q Name and telephone number of closing attorney and/or title company\u003Cbr>q Homeowner’s insurance agent and telephone number\u003Cbr>q Explanation(s) of any late credit payments\u003Cbr>q Explanation(s) of any gaps in employment\u003Cbr>For a purchase transaction |\n| q Copy of your signed and executed purchase agreement and all addenda\u003Cbr>q Copy of your canceled deposit check\u003Cbr>q Your Realtor’s name and telephone number\u003Cbr>For a refinance transaction |\n| q Copy of your monthly statement for the current mortgage\u003Cbr>q Copy of survey, title policy, and homeowner’s insurance\u003Cbr>q Copy of your monthly statement for any Equity Loans or Lines of Credit, if applicable\u003Cbr>q Copy of your mortgage note (for FHA and VA Loans only)\u003Cbr>Veteran’s Administration or Federal Housing Administration loan applicants |\n\nq Military discharge papers (Form DD214), if applicable (for VA loans)  \nq Copy of your Driver’s License or Passport  \nq Certificate of Eligibility (for VA loans)  \n[1.888.508.2228 | www.directionscu.org](1.888.508.2228 | www.directionscu.org)","cbCaiusieySrBxTL","https://ap.wps.com/l/cbCaiusieySrBxTL","pdf",588193,"English","# Mortgage Loan Application Checklist\n## Income Information\n## Assets\n## Residence Information\n## Down Payment Funding Sources\n## Real Estate Details\n## Miscellaneous Information\n## Purchase Transaction Requirements\n## Refinance Transaction Requirements\n## Veteran’s Administration or FHA/VA Loan Applicants","[{\"question\":\"What documents are typically needed to verify income for a mortgage application?\",\"answer\":\"Prepare W-2 forms for the past two years and pay stubs from the last 30 days showing year-to-date earnings. Include proof of Social Security or pension income if applicable, and documents for divorce/separation/property settlement or child support/alimony when you want it considered as qualifying income.\"},{\"question\":\"What asset documents should applicants bring?\",\"answer\":\"Bring bank statements for the most recent two months, including all pages even if blank, for accounts held outside Directions Credit Union. Also provide statements for 401(k), pension, and other investments, and if self-employed, include signed Federal 1040s plus asset and checking/savings/IRA/401(k) and other retirement and investment statements.\"},{\"question\":\"What additional items are required for purchase vs. refinance transactions?\",\"answer\":\"For a purchase, bring the signed and executed purchase agreement with all addenda and the canceled deposit check, plus your Realtor’s contact details. For a refinance, provide the current mortgage monthly statement, survey/title policy/homeowner’s insurance, any statements for equity loans or lines of credit if applicable, and the mortgage note for FHA and VA loans.\"}]","Mortgage Loan Application Checklist - Final | PDF"]