Mortgage Document Checklist | Mortgage Loans Colorado Apply Now

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first-time-home-buyers-purchase-home-loans Lendem Financial Mortgage Loan Process Document Checklist

Lendem Financial, LLC   Mortgage Loans   ‪(970) 445-4977

Required Mortgage Loan Document List | Mortgage Loans Colorado



  • 2 Yr employment history with work address& phone #

  • 2 Yr residence history

  • Refinance section on page 1

  • dti-debt-to-income-ratioHome phone number

  • Verify borrowers name & address are correctly spelled

  • Verify Date of Birth and Social Security #

  • Most recent 30 days of consecutive paystubs

  • SSA Awards Letter and/or Pension Statement (if applicable)

  • W2s and/or 1099s for that most recent last 2 year

  • Tax Returns for the most recent last 2 years

  • Corporate Returns and K1s (if applicable)

  • Explanation for job gaps

  • 2 full months of bank statements | Current Retirement Statement ALL pages

  • Note - For Existing Mortgages

    • Mortgage Loan Checklist and StepsCovering 60 days of history

    • Must have ALL pages (even if blank)

    • Must reference borrower name, bank name, account number

    • Explanation AND Documentation of any large deposits

  • Mortgage Statements for All Mortgages

  • Income Documentation For All Income Sources

  • Asset Documentation for Bank, Retirement, Investment Accounts

  • For all mortgage liabilities, provide Tax, Insurance and Mortgage Payment Statements

  • Legible copy of driver’s licensef for Each Borrower

  • Legible proof of Social Security number for Each Borrower

  • Copy of current Homeowners Insurance (or agent name/number/premium)

  • Payment information for appraisal order - Credit Card Authorization Form 

Interest-Only-Loans***If you are Self-Employed or receive commission income: 

  • Federal Tax Returns, all pages & all schedules, covering the most recent two years

  • CPA name and phone number 

  • We have a variety of Self Employed 12 & 24 Bank Statement Programs

***If you currently own a second home or investment property: 

  • Mortgage statements and Mortgage Notes for all mortgages

  • Homeowner’s Insurance Policy Declaration Page for all properties

  • Property Tax Bill for the most recent year for all properties

 ***Note, each loan is different and some of these docments may or may not be required, as well as additional documents may be required to verify the loan application. 

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Questions about Lendem Financial mortgage loan options? Why you should think about using a mortgage broker vs a bank? Using a Mortgage Loan Officer that has access to all sources of lending institutiuons helps people get the best loan for their situation and offers all options on the market vs the programs at one bank. Call Todd Rubick of Lendem Financial and tell him why the bank said no... If your tax returns do not show your true income, or credit is less than perfect... Full service all source lending strategies will be offered for those that need them.