Application Checklist

In general, the documentation you will need includes:
Credit card authorization form for Appraisal & Credit Report.

Property Information (if you already have a contract on a home)
Purchase Agreement.
Copy of legal description and MLS sheet.
If you are selling your current home, copy of listing contract.
If you have sold your current home, copy of settlement statement (HUD-1 or CD Closing Disclosure).

Income & Assets

Pay stubs for the last 30 days.
  For the past two years:

Signed 1040 Tax Returns with all schedules.  

W-2s for past two years.
Statements for each bank, mutual fund, and/or investment account for last two months, all pages.
Estimated value of vehicles including year, make and model.
  If you have made any large deposits into your checking, savings or investment accounts:

Explanation letter and source of large deposits.

If large deposit was a gift:

Signed gift letter (lender can supply).

Copy of gift check.

Copy of deposit receipt.
  If you own more than 25% of a business:

Corporate or partnership tax returns for last two years including K1's.
  If self-employed:

Tax returns for the last two years (with all schedules).

Year-to-Date Profit and Loss Statement.
  If you own rental property:

Tax returns for the last two years, current rental agreements and mortgage statements.
  If you are retired:

Pension Award Letter and two month's proof of receipt.
  If you receive Social Security:

Social Security Award Letter and two month's proof of receipt.
  If you are counting child support income:

Copy of divorce decree.

Copy of twelve months of cancelled child support checks or court printout.


Names, account numbers, balances due and monthly payments for all loans and leases.
Credit Report explanation letters for any adverse credit, or new account inquiries:

Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments, liens or foreclosure within the past 7 years.

Bankruptcy filed within last seven years, (copy of bankruptcy papers).

VA Loans

Copy of DD 214 Separation Papers, and VA Certificate of Eligibility.


Photo ID Driver's License, or Arizona State ID front and back.
Residential addresses for the past two years.
If applicable, a copy of divorce decree and settlement statement.
If Refinance, copy of mortgage statement, property tax bill & home owner's insurance Dec page. 

Steve Bernstein - Arizona Central Mortgage - Phone (480) 424-7144 - Fax (866) 424-7176 - - - NMLS 1230169/1443346 - Equal Housing Lender.


Loan Application

Using our online loan application, you can take your time and complete your application whenever it's convenient for you. And, you can always save your work and come back and complete it later if you need to.

Apply Now!