Loan Application Instructions

Document Checklist and Instructions

A properly documented loan application makes your loan process go smoothly. This checklist will help you gather your paperwork.

Complete the residential loan application making sure all blanks are completely filled in. A two year history for your residence and employment is required.
If you are salaried: you may need to provide W-2's for the previous two years and one month of paystubs. If you are self-employed, you will need to provide tax returns for the previous two years, including all schedules, and a YTD profit and loss statement. (Note: provide copies of all requested documents. Do not provide original documents.)
If you own rental property, provide recent rental agreements and tax returns for the previous two years, including all schedules. Be sure to include complete addresses on the application.
To speed up the approval process, provide bank statements for the most recent three months, and recent statements for stock, mutual funds and IRA/401K accounts.
If you are requesting a cash out refinance, provide a letter explaining how you will use the refinance proceeds.
If applicable, provide a copy of your divorce decree and settlement agreement.
If you are NOT a US citizen, provide a copy of your green card (front & back). If you are NOT a permanent resident provide a copy of your H-1 or L-1 visa.
If any borrower has filed bankruptcy, provide the Discharge Notice, Filing and Schedule of Creditors.
If you are applying for a home equity line of credit or loan (second loan), also include your first mortgage note. (This should be with your closing loan documents.)

Cameron & Cameron Mortgage Corporation - 3700 NW 91st Street Suite D-200 - Gainesville, FL 32606
Office Phone: (352) 372-6111 Fax: (352) 372-3005

Camerons...Make it Happen!

FAMB - Florida Association of Mortgage Brokers

NAMB - National Association of Mortgage Brokers