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Conventional Checklist

 Thank you for your loan application! In the course of the loan process, you will have to provide the underwriter with detailed documentation of your financial history. Be prepared to provide me with the following paperwork for relay to the underwriter:

  • Clear copies of your driver’s licenses, state ID or passport
  • 10 years of personal address history (This is only needed if it’s not already shown on the loan application.)
  • Copies of checking and savings accounts statements for the past two months (We’ll need all pages and be prepared to explain and document any non-payroll bank deposits that exceed 30% of total monthly gross income but not less than 1000 dollars)
  • Evidence of any other liquid or semi-liquid assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k, Ira’s, mutual funds, pensions, B’s, etc. – I full statement on each)
  • Recent paycheck stubs for each borrower (30 days’ worth)
  • W-2 withholding forms and personal income tax returns for the past two years (all K1′s and 1099′s too if you get them)
  • If any of your income was self-employed, we’ll need 2 years of business returns and a year-to-date profit and loss statement and balance sheet (from CPA or QuickBooks printout, signed and dated)
  • Contact information for your preference of homeowners insurance agent
  • Statements on mortgages that will not be paid off prior to closing
  • Signed lending disclosures (These are a compilation of disclosures, authorizations, notices and forms that the state government, federal government and iLoan feel you should have and will be provided by your loan officer and it’s important to get them signed and returned promptly because a loan can’t move to processing and underwriting without them)

Once we’ve started working on the loan application, you’ll get a documentation request though a newly created Online Loan Center. It is a personalized, password-protected site that provides you with 24-hour access to information and requests related to your loan application. You can securely upload your loan documentation to this site. Some of the documentation request will have customized upload buttons but if you run out of upload buttons for the required loan documentation there will always be a document upload button at the bottom of your online loan center for any trailing documents.

Here’s a list of what you’ll be able to do at your Online Loan Center:

  • view the status of your loan
  • receive requests for documentation
  • securely upload documentation
  • electronically sign lending disclosures
  • print or save lending disclosures
  • securely upload singed lending disclosures
  • generate fax cover sheets specific to your loan to be sent with disclosures and/or loan documentation

If you ever need to access your online loan center, you can do that here: https://www.mortgage-application.net/MyAccount/AccountLogin.aspx. Should it ask a security question regarding a subject property address and you don’t have one yet (as would be the case for a purchase), we’ll use 1234 Main Street, Saint Paul, MN 55104 as a “dummy” address until you’ve identified your property. Should you ever forget your password, you can get it sent to you by going to https://www.mortgage-application.net/MyAccount/ForgotPassword.aspx?.


Michael Ruhland, Trusted Advisor NMLS # 215129 MN Lic # MN-MLO-215129
LendSmart Mortgage, LLC. NMLS # 4474
5001 American Blvd. W, Bloomington, MN  55437
Direct:  (952) 548-8291
Cell:  (612) 618-6039
Copyright © 2018
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
Lend Smart Mortgage, LLC
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