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Mortgage Checklist

Income

  • Paycheck stubs for last 2 consecutive weeks
    • These must indicate year-to-date earnings, pay period, and company name
  • W-2’s (last two years)
  • Award letters for pensions, social security, disability and/or other recurring income
  • Proof of receipt of child support or alimony (if being used to qualify)

 **If Self-Employed please provide the following:

  • Last 2 years of completed and signed taxed returns with all schedules (Personal and/or Business)
  • 1099’s (if applicable)
  • Statement of Income/Expenses most recent month end

 **Rental income please provide the following:

  • Last 2 years of completed and signed taxed returns with all schedules
  • Current Executed leases or Notarized Tenant at Will Statements for each property owned
  • List of all properties

Assets

  • Name, address and account numbers for each financial institution you have deposit accounts
  • Last 2 months of bank statements and/ or passbooks
  • 401K, IRA, or Pension statements

 For Refinancing, please also include the following:

  • Copy of the recorded subject property’s deed
  • Recent Real Estate Tax Bill with Assessed Valuation
  • Copy of Homeowner’s Insurance declaration page
  • Copy of most recent mortgage statement

 For Purchases, please also include the following:

  • Fully Executed Purchase and Sales Agreement with all addendums signed by all parties
  • Copy of down payment check (front & back)
  • Names and phone numbers of both the listing and selling real estate agents

 Condominiums

  • Condominium Documents (Master Deed, Unit Deed, Trust and By-Laws)
  • Condominium Questionnaire and Association Budget
  • Master Insurance Policy

 Miscellaneous

  • Valid Picture ID
  • Resident Alien Card (if applicable)

 Additional information required (if applicable)

  • Separation agreement or divorce decreed
  • Alimony, child support and/or separate maintenance a copy of divorce decree

To expedite your application, please submit documentation to lending@naveo.org or via fax at 617-547-3451.

Naveo Credit Union NMLS Registry # 495044
493 Somerville Avenue, Somerville, MA  02143
Office:  (617) 702-5117
Office:  (617) 702-5107
asantos@naveo.org ; sjacobucci@naveo.org
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