Items Needed for Mortgage Loan Application

Please use this list as it applies to your specific situation. The information listed below represents documentation needed for traditional, “full-documentation” loans.*

Income Documentation:

1. Last 30 days of computer-generated pay stubs.
2. Last 2 years W-2 forms. If starting a new year and previous year’s W-2 is not presently available, provide year-end pay stub for previous year along with additional W-2 from 2 years ago.
3. If self-employed or using commissioned income to qualify, also provide last 2 years Federal Income Tax Returns. PLEASE PROVIDE ALL PAGES, SCHEDULES AND ATTACHMENTS, INCLUDING 1099 FORMS.
4. If self-employed, provide a recent year-to-date Profit and Loss Statement for the business.
5. If self-employed, please provide last 2 years Federal Income Tax Returns for the business. PLEASE PROVIDE ALL PAGES, SCHEDULES AND ATTACHMENTS, INCLUDING SCHEDULE K-1’S, AS APPLICABLE.
6. If any of the following income sources will be used to qualify for the mortgage loan, please consult your loan officer for specific documentation requirements: Alimony, child support, social security benefits, retirement/pension income, etc.

Asset Documentation:

1. Last 2 months bank statements for checking, savings, money market accounts, as applicable. PLEASE PROVIDE ALL PAGES OF ORIGINAL STATEMENTS. If providing printouts from your banking institution, the printouts must show a consecutive 60 day activity history and be STAMPED AND SIGNED BY A BANK REPRESENTATIVE. Copies printed from the internet are generally not acceptable.
2. Copy of most recent retirement, pension, investment account statement, as applicable.
3. If using gift funds as a source of funds for closing, please consult you loan officer before transferring any funds. Gift funds must be accurately documented and paper trailed from the gift donor to the borrower.

Miscellaneous Documentation:

1. If purchasing a property, provide fully-executed Sales Contract/Purchase Agreement for subject property.
2. If refinancing, please provide a copy of your most recent mortgage statement(s), a copy of your current homeowner’s/flood insurance policy declarations pages (as applicable). If your current mortgage carries a prepayment penalty, please provide any information you may have relating to this issue.
3. Please consult your loan officer regarding the collection of any upfront fees such as the appraisal fee and application fee.
4. Fidelity Bank will need to make a photocopy of each borrower’s Driver’s License.

*Fidelity Bank reserves the right to request additional information if necessary.

Please feel free to contact your Fidelity Bank Mortgage Loan Officer with any questions or concerns you may have. We look forward to the opportunity to be of service to you.

Please contact:
Mortgage Loan Officer
Main Office (225) 296-1900
Fax Line (225) 929-5920

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