[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-278067-105":3,"detail-sidebar-cat-1-en-105":81,"doc-detail-278067-en":127},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","shore-united-bank-loan-checklist-june-2020-mortgage-loan-application-documents-checklist","Shore United Bank Loan Checklist - June 2020 - Mortgage Loan Application Documents Checklist","","Checklist outlining the document package required for Shore United Bank mortgage loan applications. Covers contact details, purchase or refinance documentation (sales contracts, deposit proof, bank statements, deeds, insurance policies), and construction-to-permanent builder approvals. Includes residency-specific verification, identification, current real estate ownership expenses, and comprehensive income proof such as W-2s, paystubs, tax returns, and explanations for income changes or employment gaps. Lists asset and liability documentation requirements plus guidance on deposits and credit inquiries.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/forms/","Forms",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/shore-united-bank-loan-checklist-june-2020-mortgage-loan-application-documents-checklist/278067/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/shore-united-bank-loan-checklist-june-2020-mortgage-loan-application-documents-checklist/278067.png","ImageObject",442,249,{"name":42,"@type":43},"Bill Black","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-23","2026-09-15",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",7,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What documents are needed for a home purchase mortgage loan?","Question",{"text":63,"@type":64},"Provide the fully executed sales contract, deposit check proof (EMD), and a bank statement showing the EMD cleared. Include required insurance documents as specified in the checklist.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What additional documents are required for refinancing a mortgage loan?",{"text":68,"@type":64},"Submit deed(s), the mortgage billing statement, and homeowner’s insurance showing dwelling coverage and annual premium. Include flood insurance if applicable.",{"name":70,"@type":61,"acceptedAnswer":71},"What guidance does the checklist give about assets, credit, and large deposits?",{"text":72,"@type":64},"Avoid unusual large deposits or gift deposits before speaking with the loan officer. Do not apply for new credit, and provide explanations and documentation for large deposits or derogatory credit items and recent credit 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Realtor  \n Homeowner’s Insurance Company  \n Attorney / Title Company  \n Homeowner’s or Condo Association  \nFOR HOME PURCHASE LOANS  \n Copy of Fully Executed Sales Contract: All Pages  \n Copy of Check for Deposit (Earnest Money Deposit)  \n Copy of Bank Statement that Verifies the EMD has Cleared the Account  \nFOR REFINANCE LOANS  \n Copy of Deed(s)  \n Copy of Mortgage Billing Statement  \n Copy of Homeowner’s Insurance Policy Showing Dwelling Coverage and Annual Premium  \n Copy of Flood Insurance Policy (if applicable)  \nCONSTRUCTION TO PERMANENT LOANS  \n Shore United Bank’s Builder Approval Package Completed with All Supporting Documents from the Builder  \n Construction Contract with Proposed Draw Schedule  \n Building Plans and Specifications  \n Builder’s Risk Policy  \nRESIDENCY  \nSupply the following that may be applicable to your current residency situation.  \n Verification of Rent Contract Information for Landlord or Management Company  \n Living Rent Free: Signed Letter of Explanation Detailing:  \n(1) With Whom You are Living  \n(2) Why You are Living Rent Free  \nIDENTIFICATION  \n Valid Driver’s License, State ID or Passport  \n Social Security Card  \nREAL ESTATE CURRENTLY OWNED  \n Copy of all related housing expenses for all real estate owned Real Estate Tax Bills  \nHomeowner’s Insurance  \nMortgage Billing Statements  \nAssociation Fees (if applicable)  \n Copy of current lease agreements if real estate is currently rented  \nINCOME  \n Copy of Most Recent W-2 Forms for Past 2 Years  \n Copy of Most Recent Paystubs for Past 30 Days  \n Copy of Most Recent Personal Tax Returns for Past 2 Years (All Pages and Schedules)  \n Copy of Tax Return Extension, if applicable  \n Copy of K-1 Forms for All Entities Listed on Schedule E of Personal Tax Returns  \n Signed Letter of Explanation Regarding Any Recent Changes in Income  \n Copy of Most Recent Business Tax Returns for Past 2 Years (All Pages and Schedules), if applicable  \n Social Security Awards Letters  \n Pension Awards Letters  \n Documentations for any Bonus and/or Commission Income That You Wish to Include as Income, That Verifies a 2-Year History of Receiving  \n Written Explanation for Any Gaps of Employment  \n Year to date profit and loss (P&L) statement and balance sheet  \nASSETS  \nDo not make any unusual large deposits into your bank accounts or gift deposits prior to speaking with your loan officer.  \n Most Recent Bank Statement: 3 months, All Pages  \n Most Recent Retirement Statements: 3 months ( or 1 Quarterly)  \n Gift Letter for Any Funds Being Used for Transaction:  \n- Amount of gift  \n- Parties who are gifting the money  \n- Statements that money is not required to be paid back  \n- Date the funds will be gifted  \n Explanation of Any Large Deposits that Appear in the Provided Bank Statements  \nLIABILITIES  \nRefrain from applying for any new credit.  \n Signed Letter of Explanation for Derogatory Payment History, Bankruptcies, and/or Judgments Found on Credit Reports  \n Signed Letter of Explanation for Any Credit Inquiries Made Within the Last 120 days: State the Reason for the Credit Inquiry and the Outcome of the Inquiry  \nOTHER DOCUMENTATION  \nIf applicable.  \n Copy of Complete Divorce Decree or Separation Agreement (To Identify Any Related Liabilities and/or Income That You Wish to Include, such as Alimony or Child Support)  \n Documentation for Any Liabilities That Are Not Reporting On Your Credit Report (i.e.: A Private Mortgage Note)  \nShore United Bank and your loan officer will not require you to provide documents verifying your application information as a condition of providing you with a Loan Estimate.  \nNMLS \\# 607844","cbCail1RZkcnmYZE","https://ap.wps.com/l/cbCail1RZkcnmYZE","pdf",958308,"English","# Mortgage Loan Application Documents Checklist\n## Contact Information and Parties\n## Purchase Loans and Refinance Loans\n## Construction to Permanent Loans\n## Residency, Identification, and Current Real Estate Owned\n## Income, Assets, and Liabilities\n## Other Documentation and Notes","[{\"question\":\"What documents are needed for a home purchase mortgage loan?\",\"answer\":\"Provide the fully executed sales contract, deposit check proof (EMD), and a bank statement showing the EMD cleared. Include required insurance documents as specified in the checklist.\"},{\"question\":\"What additional documents are required for refinancing a mortgage loan?\",\"answer\":\"Submit deed(s), the mortgage billing statement, and homeowner’s insurance showing dwelling coverage and annual premium. Include flood insurance if applicable.\"},{\"question\":\"What guidance does the checklist give about assets, credit, and large deposits?\",\"answer\":\"Avoid unusual large deposits or gift deposits before speaking with the loan officer. Do not apply for new credit, and provide explanations and documentation for large deposits or derogatory credit items and recent credit inquiries.\"}]","Shore United Bank Loan Checklist - June 2020 - Mortgage Loan Application Documents Checklist | PDF",1789506696]