What you need to get ready before applying for a mortgage loan – R Nations Modifications, LLC.

Loan Application Checklist

Copy of your last mortgage statement

Second mortgage statement

Pay stubs for the last 30 days.

For the past two years:

	Tax returns
	W-2s

Statements for each bank, mutual fund, and/or investment account for the last two months. (All pages)

If you have made any large deposits to your accounts:

Explanation and source for deposit.

If you own more than 25% of a business:

Corporate or partnership tax returns.

If self-employed:

	Tax returns for the last two years (with schedules).
	Year-to-Date Profit and Loss Statement prepared by an accountant.

If you own rental property:

Tax returns for the last two years and current rental agreements.

If you are retired:

Pension Award Letter.

If you receive Social Security:

Social Security Award Letter.

If you are counting child support as income:

	Copy of divorce settlement.
	Copy of twelve months of cancelled child support checks.