TLC Lending :: What Need To Apply

Organize your information before you apply. We've even made a checklist for you!

To complete the online mortgage application, only the following information is necessary:

All applicants will need:

Social Security numbers

Current contact information
   Name(s)
   Current Address
   Subject Property Address
   E-Mail Address
   Contact Phone Number

Only required if requesting a full documentation loan, or documentation that requires either income or asset verification:

Income Information

Income Worksheet

Asset Information

Asset Worksheet

To fully complete the mortgage application, the following information will be required. One of our loan agents will assist you in completing the mortgage application, if you’d like.

PURCHASE, REFINANCE or HOME EQUITY
	Resident address if current address is less than two years.
	Employment history last two years, including dates employed, name address and phone number of employer(s).
	If you are salaried, provide two years IRS W-2 forms; OR, if you are self-employed or an independent contractor (IRS Form 1099), provide two years personal and business tax returns, and a year-to-date balance sheet and statement of operations, signed by a company officer.
	Most recent one month pay stubs showing year-to-date earnings including overtime, commission or bonus income; OR, if retired or disabled, a copy of pension, social security, retirement or disability check.
	Provide two months statements for each checking, savings, stock, bonds, mutual funds and retirement accounts (all pages).
	Provide two years complete federal tax returns (IRS Form 1040) all schedules.
	If you own rental property, please provide rental agreements.
	Provide copy of divorce decree, separation agreement, and property settlement agreement, if applicable.
	If you are NOT a US citizen provide us with a copy of your green card (front & back); or, if you are NOT a permanent resident, provide us with your H-1 or L-1 visa.
REFINANCE and HOME EQUITY ONLY
	Current mortgage statement, both first and second liens, if applicable, on property being refinanced.
	Copy of deed, warranty dead or deed of trust.
	Copy Homeowners and Hazard Insurance Policy (front page only), not applicable for townhome, condo or co-op loans.
PURCHASE ONLY
	Provide a copy of purchase agreement or sales contract, fully executed.
	Copy of cancelled down payment or earnest money deposit check (both front and back).