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Mortgage Checklist

The following items and information are typically required when applying for a mortgage loan.  Preparation of these documents in advance will help the process along.

Click here to download and print this checklist.

 

PERSONAL IDENTIFICATION
 
  • Valid driver’s license
  • Passport (if applicable)
 
 
INCOME
 
  • W-2 forms for previous two (2) years
  • Two (2) most recent pay stubs or, if self-employed, your tax returns for the past two (2) years
 
 
ASSETS / LIABILITIES
Copy of past two (2) statements if received monthly OR two (2) statements if
received quarterly on the following accounts (if applicable):
 
  • Checking
  • Savings
  • Money Market
  • Investment Accounts
  • Retirement Accounts
 
 
MORTGAGE REFINANCE
  
  • Most recent statement of mortgage being refinanced
  • Most current statement of homeowner’s policy showing the premium, coverage and renewal date
  • Most recent statements for other debts being satisfied
  • Abstract of title
  • Survey Map (required for construction loans)
 
 
PURCHASE
 
  • Copy of purchase contract on subject property and listing agreement or contract on existing home being sold
  • Copy of your cancelled earnest money checks
  • Listing Agreement of current property (if applicable)
Watertown Savings Bank
111 Clinton Street, Watertown, NY  13601
Office:  (315) 788-7100
Toll Free:  (800) 870-8510
Direct:  (315) 836-8440
loaninfo@watertownsavingsbank.com
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