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.
Please contact us today with any questions you may have.

For a purchase:

  • Copy of signed sales contract including all addendums
  • Verification of the deposit you placed on the home
  • For a refinance:

  • Copy of your current mortgage statement(s)


  • Copy of last 2 years federal tax returns w/all schedules
  • Copies of your W-2 forms for the past two years
  • Copies of your paystubs for the most recent 30-day period and year-to-date
    names and addresses of all employers for the last two years
  • If self-employed:

  • K-1’s for all partnerships and S-Corporations for the last two years
  • 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.)


  • Last 2 months bank statements (all pages)
  • Most recent copy of 401k/IRA statements


  • Complete 2 year residency history including name and phone number of
    landlord or management company.

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)
  • Gifts – If part of your cash to close, provide Gift Letter and proof of receipt of funds

Debt or Obligations

  • Prepare a list of all names, addresses, account numbers, balances, and monthly
    payments for all current debts.

Contact a loan expert

Contact Victory Home Loans today and talk to a loan expert.

Get in Touch - or - Apply for a loan today!

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coverage areas

We cover the entire Metro Detroit area including Macomb County - Oakland County - Wayne County - Clinton Township - Macomb - Shelby Township - Roseville - Chesterfield - Grosse Pointe - Sterling Heights - Troy - Madison Heights - Rochester Hills - Rochester

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