Application Checklist

Below is a list of documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, be cooperative and provide the information requested as soon as possible. It will help speed up the application process.

Your Property

Copy of signed sales contract including all riders
Verification of the deposit you placed on the home
Names, addresses and telephone numbers of all realtors, builders, insurance agents and attorneys involved
Copy of Listing Sheet and legal description if available (if the property is a condominium please provide condominium declaration, by-laws and most recent budget)

Your Income

Copies of your pay-stubs for the most recent 30-day period and year-to-date
Copies of your W-2 forms for the past two years
Names and addresses of all employers for the last two years
Letter explaining any gaps in employment in the past 2 years
Work visa or green card (copy front & back)

If self-employed or receive commission or bonus, interest/dividends, or rental income:

Provide full tax returns for the last two years PLUS year-to-date Profit and Loss statement (please provide complete tax return including attached schedules and statements. If you have filed an extension, please supply a copy of the extension.)
K-1’s for all partnerships and S-Corporations for the last two years (please double-check your return. Most K-1’s are not attached to the 1040.)
Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years. (Required only if your ownership position is 25% or greater.)

If you will use Alimony or Child Support to qualify:

Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last year

If you receive Social Security income, Disability or VA benefits:

Provide award letter from agency or organization

Source of Funds and Down Payment

Sale of your existing home – provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement/Closing Statement)
Savings, checking or money market funds – provide copies of bank statements for the last 3 months
Stocks and bonds – provide copies of your statement from your lender or copies of certificates
Gifts – If part of your cash to close, provide Gift Affidavit and proof of receipt of funds
Based on information appearing on your application and/or your credit report, you may be required to submit additional documentation

Debt or Obligations

Prepare a list of all names, addresses, account numbers, balances, and monthly payments for all current debts with copies of the last three monthly statements
Include all names, addresses, account numbers, balances, and monthly payments for mortgage holders and/or landlords for the last two years
If you are paying alimony or child support, include marital settlement/court order stating the terms of the obligation
Check to cover Application Fee(s)

Quick Quote

Why Choose Golf

A dedicated mortgage expert with long standing client relationships.

Golf Phuphanich brings years of hands-on mortgage experience, honest advice, and a personal commitment to every client guiding you from the first call straight through to closing day.

Competitive Pricing

Golf secures the most competitive mortgage rates available saving you money every month and over the full life of your loan.

Free Consultations

Golf offers free, no obligation consultations to every client so you can explore your options without any pressure or upfront cost.

Lifetime Tracking

Golf monitors your loan long after closing keeping you informed about refinancing opportunities and market changes that could benefit your financial future.

24/7 Premium Support

Golf is always available to answer your questions providing dedicated, around the clock support throughout every stage of your mortgage journey.