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Mortgage Checklist

Below is a list of what you will need to complete your home mortgage application. In some cases you may need to provide additional information, such as if you’ve just graduated, have less than perfect credit or are applying for a FHA or VA loan. Your Bremer Bank mortgage loan officer will help you complete the application – or you can apply online at BremerMortgage.com.

  • W-2s for the last two years
  • Copy of driver’s license
  • Past two months of pay stubs with at least 30 days of year-to-date earnings
  • A written explanation of any changes in income or gaps in employment over the last two years
  • Two years of 1099s if you collect seasonal unemployment, Social Security or are self employed
  • Personal and corporate tax returns for the last two years — please include all pages and all schedules, including K-1s if applicable
  • Asset statements, including:
  • Last two months of bank statements (include all pages). If there are any non-payroll deposits, explain in writing the source of those deposits. Continue to save your bank statements until your loan is closed.
  • Most recent quarterly or past two months statement for any retirement account (i.e. mutual fund accounts, 401k, IRAs, etc.)
  • Renters: Name, address and phone of landlord for last two years (if applying for FHA, VA, or first-time buyer programs) 

Additional items (if applicable)

  • Divorce or order for child support (if you are receiving payments or are obligated to pay)
  • Bankruptcy papers (petition, schedule of creditors, or discharge)
  • Award letter (if receiving Social Security, pension, AFDC or food stamps)
  • Diploma and transcripts (if you have been in school during the last two years)
  • If refinancing or purchasing a second home: a copy of your real estate tax statement, homeowner’s insurance and mortgage statement. If refinancing a FHA or VA: a copy of your Settlement Statement and Note.
  • Letter of explanation if you have any derogatory credit, explaining in writing the circumstances surrounding the late payments. Please sign and date the letter.

 Keep in mind credit can be pulled at anytime during the loan process. To ensure the terms and rates of your loan do not change during the process it is wise to refrain from opening any new credit or spending cash reserves that you plan to use for downpayment and closing costs.

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