Heritage Bank Home Loan Checklist

Income/Assets

• Pay Stubs - Most recent to cover last thirty (30) days including year-to-date
• W-2's - Last two (2) years for each applicant
• Tax Returns - Two (2) years completed Federal Income Tax Returns
• If self-employed, provide current P&L statement and last two (2) years business returns
• Bank/Retirement/Stock Statements - Most recent three (3) months; include all pages 
• Lease Agreements - If other real estate owned
• Other - Any other additional income you would like us to use for qualifying purposes

Debts

• List of current debts - Provide account numbers, current balance, and monthly payment amount on all revolving and installment debts

Property Information

• Earnest Money Agreement - Not needed for a refinance
• Property Tax Estimate - On subject property
• Homeowner's Insurance - Agent's name and telephone number

Refinance Loans

• Insurance agent's name and telephone number
• Current mortgage company and account number

Other

• Divorce Decree and/or Child Support Agreement, if applicable
• Name and address of landlord for the past two (2) years
• Application deposit

Construction Loans

• Plans
• Specifications
• Construction cost break down