Emery Financial, Inc. – Loan Application Checklist

Loan Application Checklist

Property Information (ONLY if you already have a contract on a home, or have made an offer)

Purchase Agreement

Your Realtor's contact information

If you are selling your current home, copy of listing contract

If you have sold your current home, copy of settlement statement (HUD-1)

Income & Assets

Pay stubs / Check advices for the last 30 days for all current jobs

For the most recent 2 (two) years:

	Names and addresses of each employer
	W-2s

Statements for each bank, mutual fund, and/or investment account for the last month. (All Pages - i.e., if page 1 is showing "Page 1 of #", please provide all "#" pages)

If you have made any large deposits to your accounts:

Explanation and source for the deposit.

If any deposit was a gift within the previous 90 days:

	Signed gift letter (we can supply)
	Copy of gift check
	Copy of deposit receipt

If you own more than 25% of a business, and have done so for 2 or more years, you are considered "Self-Employed" per lender underwriting standards. Please provide:

	Federal 1040s for the most recently filed 2 (two) tax years (with all schedules, forms and K-1's, if applicable).
	Contact information for your CPA or Tax Preparer

Year-to-Date Profit and Loss Statement (thru most recent Quarter)

Federal 1120, 1120-S or 1065, as applicable, for the most recently filed 2 (two) tax years (with all schedules, forms and K-1's, if applicable).

If you own rental property:

Schedule E for the most recent 2 (two) years (included with 1040s)

Current rental agreements.

If you are retired:

Pension Award Letter (most recent year)

If you receive Social Security:

Social Security Award Letter (most recent year)

If you are counting child support as income:

	Copy of divorce settlement
	Copy of twelve months of cancelled child support checks

Debts

Names, account numbers, balances and monthly payments on all current mortgage and home equity loans

Explanation of credit report anomalies, including:

	Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens
	Bankruptcy filed within last seven years (please provide a copy of your bankruptcy papers)

Miscellaneous

Photo ID (Passport, Drivers License or State ID) and proof of Social Security number for each applicant - Required per the Patriot Act of 2003

Residence addresses for the past two years

If applicable, a copy of your divorce decree

If anyone applying is not a US citizen, a copy of the front and back of their green card or visa

CLICK HERE FOR QUESTIONS! • CA DRE #01171009 • Same Location Since 1993

© 2012 W.J. Bradley Mortgage Capital, LLC 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government.

AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm; Colorado Supervised Lender License #991424; Florida Mortgage Lender Servicer license #MLD738; ID Mortgage Broker License No. MBL-2803; IL Residential Mortgage Licensee – License #MB.6760738, 6465 Greenwood Plaza Blvd., Suite 500, Centennial, CO 80111; MN Residential Mortgage Originator License No. 20447094; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and Loan Broker Act Reg. No. 01856; OK Mortgage Broker – License No. MB001365; OR Mortgage Lender License No. ML-776; TX Mortgage Banker Reg. No. 74182; UT Mortgage Lender Company License No. 5495659-NMLC; Utah Consumer Credit Notification; Vermont Lender License #6141; WA Consumer Loan License No. CL-3233; Wisconsin Mortgage Banker License No. 699991. NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3233.

Emery Financial, Inc. 620 Newport Center Drive Suite 630 Newport Beach, CA 92660

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