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Mortgage Checklist

To prepare for your appointment with a mortgage lender, bring the following information with you.

  • Copy of your Purchase Agreement.
  • Your two most recent pay stubs with year-to-date earnings. If you have had more than one job this year, provide your final pay stub from your previous employer.
  • The two most recent years' W-2s.
  • Your two most recent bank statements, or if the cash to close your loan comes from another source, provide documentation.
  • Your residence history for the last two years.
    (We will need the name and address of the landlord/mortgage holder.)
  • Current homeowners' insurance provider and payment amount (if applicable.)
  • Current property taxes (if applicable.)
  • Loan and/or credit card information, including name, address, and account number of creditor.
  • Gift letter from relative(s).
  • Construction contract, plans, and specs (construction loans only.)
  • Signed relocation agreement if your employer is paying for your move.
  • Divorce decree/stipulation if alimony, child support, or property settlement is involved (Note: alimony, child support, or separate maintenance income need not be revealed if you choose not to have it considered for paying the loan.)
  • Certificate of resident alien status green card.
  • School transcripts if attended during the last two years.
  • Letter of explanation for adverse credit or an employment gap.

If you currently own Real Estate:

  • Mortgage account information.
  • Home insurance policy information.
  • Home equity account information (if applicable).
Hills Bank and Trust Company
131 Main Street, Hills, IA  52235
Toll Free:  (866) 551-4585
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