When you decide to apply for a home mortgage with U.S. Bank, it’s important to have the following documents readily available:
Residence and Property
The address(es) of your residence(s) for the past two years, and the names and addresses of any landlords during that time.
Information on any real estate you already own, including property address, current market value, mortgage lender's name and address, loan account number, balance and monthly payment.
Employment, Taxes, Income and Debts
The names and addresses of all employers for the past two years.
Paycheck stubs from the last 30 days that show your year-to-date earnings.
Original W-2 forms for the past year.
Bank statements from the two most recent months for all checking and savings accounts.
Statements from the past two months for CDs, IRAs, stocks, bonds and any other securities if you intend to use any for your down payment.
A list of all monthly debts (auto loans, student loans, mortgage loans, credit cards, etc.), creditor's names, addresses, your account numbers, minimum monthly payment amounts and balances due on each account.
Purchase Offer Details
If your offer has been accepted, provide the phone number and address of the listing and selling agents (or seller and seller's attorney if no real estate agent is involved). We will also need a signed purchase contract on the home you wish to buy, plus any amendments or counter offers and the receipts for earnest money or down payment deposits.
If a sale is pending on your existing home, bring a copy of the purchase contract for the existing property and the sales listing contract.
Self-Employed Information
If you are self-employed, earn commissions, overtime or bonuses totaling over 25% of your income, please provide personal tax returns from the past year.
