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Mortgage Checklist

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Below are the documents you and your co-borrowers may need for pre-approval & mortgage application. Additional documents may also be needed later in the process. 

Please make sure that you provide the following on the application:
  • Social Security numbers and Date of Birth for all applicants
  • 2-year work history
  • 2-year residency history
If you are listing the following income on your application, use the checklist below to determine what documents you need:
  • Paystub/W2 (base income only)
    1-Month consecutive pay stubs
    Most recent W2
  • Borrowers Using Over-Time, Commission or Bonus Income to Qualify
    Last pay stub of the previous 2 years (ex. Last paystub in December of the previous years) and the last two year's W2s 
  • Self-Employed
    Schedule C income—Most recent 2 years’ personal tax returns with all schedules
    1120s/K1 income—Most recent years’ business tax returns with all schedules
  • Rental Income
    Most recent years’ personal tax returns with Schedule E
    Most recent tax & insurance bills and current mortgage statement for each property
  • Retirement Income
    Most recent years’ 1099R
    1-Month bank statements to confirm receipt of retirement income
    Current Benefit/Award letter
Mortgage Checklist

For more information about any of the home equity options that The State Bank offers contact us or stop in to one of our local branches for a consultation.

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Toll-Free: (800) 535-0517

Routing #072403350

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