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Borrower Checklist

 

Borrower Checklist

The process of applying for a mortgage can be overwhelming; we hope you will have a smooth experience by providing the below checklist. Once you provide the following documents, please notify your Loan Officer or Processor immediately if any of your information changes during the process, as this could affect the terms of your loan request or settlement date.

Identity

  • Address and telephone numbers of each borrower

  • Previous address if less than two years at current address

  • Identification for all Borrowers: State ID, Driver's License, Passport, etc.

  • Social Security Card (FHA loans only)

 

Income

  • Pay stubs from the past 30 days, per borrower, reflecting current and year-to-date earnings

  • W-2/1099 statements from the past two years

  • Federal Tax Returns (including all schedules and K-1 statements) from the past two years

  • Rental Income (if applicable): last two years' signed and completed tax returns, copies of leases or land contracts

  • Alimony/Child Support Verification (if applicable): certified copy of history for the previous six months from the clerk's office

  • Award letter for Social Security or disability income, if applicable

 

Assets & Liabilities

  • Copy of 2 months' complete bank/asset statements (only for accounts with other institutions)

  • Copy of most recent retirement and investment statements (all pages needed)

  • Liability Summary for all outstanding debts: car loans, credit cards, student loans, child support, etc., with account numbers, balances, and minimum monthly payments

  • Letter of explanation for any recent credit inquiries or derogatory items

  • Divorce Decree, if applicable

  • Gift Letter, if applicable

 

Property

  • HUD-1 Statement from any recent sale of property

  • List of all other persons that are on the Title that are not on the mortgage application

  • Trust Documents if the property is held in trust

  • Condo/Townhome Association contact information and by-laws

 

Purchase Only

  • Sales Contract for the new property and, if applicable, the old property

  • Your Real Estate Agent and Attorney: names and contact information

  • Seller's Real Estate Agent and Attorney: names and contact information

  • Homeowner's Insurance Agent: name and contact information

 

Refinance Only

  • All current Mortgage Statements showing the company name, account number and phone number

  • Copy of your current Note, Deed and Settlement Statement

  • Your most recent Property Tax Bill (must show assessed value)

  • Homeowner's Insurance Declaration Page showing current coverage and your Agent's name and phone number

 

All loans are subject to underwriter approval. Terms and conditions may apply. Subject to change without notice.

  • Privacy Policy

NMLS  #1215182   |     FAIR LENDER     |     FAIR HOUSING 

 

First Liberty Bank makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

 

In order to help prevent identity theft and fraud, First Liberty Bank will never request you to provide personal or financial information via unsecured e-mail. Individual lender email addresses are unsecured. Please do not send non-public personal information via an unsecured email. The inclusion of any hyperlink to email does not imply any endorsement in sending non-public personal information via unsecured email by First Liberty Bank. In no event shall First Liberty Bank be responsible for your use of unsecured email related to links from this site.

First Liberty Bank

Oklahoma City - 405.608.4500

Norman, Oklahoma - 405.561.0300

Dallas/Fort Worth - 469.389.3660

Toll-Free 877.898.8830

mortgage@myfirstliberty.com

NMLS  #1215182   |     FAIR LENDER     |     FAIR HOUSING 

 

First Liberty Bank makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

 

In order to help prevent identity theft and fraud, First Liberty Bank will never request you to provide personal or financial information via unsecured e-mail. Individual lender email addresses are unsecured. Please do not send non-public personal information via an unsecured email. The inclusion of any hyperlink to email does not imply any endorsement in sending non-public personal information via unsecured email by First Liberty Bank. In no event shall First Liberty Bank be responsible for your use of unsecured email related to links from this site.