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Application Checklist

Below is a list of items to bring when you meet with your Citizens National Bank loan officer to fill out your mortgage loan application. Please note that some of the items listed may not be applicable to your situation. Feel free to contact your loan officer with any questions that you may have.

Purchase Agreement

(Sales contract) with all signatures. Should include a legal description from the survey, deed, or title work.

Employer Info

Name of company, address, and personnel director for all employers for last two years.

Pay Stubs

Most recent month's stubs. Must be typed or computer-generated and include your name, Social Security number, year-to-date earnings, and employer's name.

W-2 Forms

From all employers for last two years.

Signed Federal Tax Returns
If self-employed or paid on commission, bonus, or interest income (last two years).

Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying your loan.

Pension, Disability, and Social Security

Current letters from source stating amount received and last two years' 1099s.


Copy of divorce decree or separation agreement, property settlement, and proof of child support.

Rental Income
Copies of leases and last two years' tax returns.
Bank Statements

Last two months' statements from each bank where you have an account.

Other Assets
Full descriptions of all other assets (i.e. IRA's, 401k's, profit sharing).
List of all creditors
Addresses, account numbers, monthly payments, and outstanding balances.
Landlord Address

Addresses along with rent receipts or cancelled checks for the past two years.

Current Mortgage Payments

Cancelled checks for the last twelve months; or last year-end statement plus cancelled checks for elapsed months since statement was issued.

Bankruptcy (if applicable)

Legible copies with status and explanation.

Explanation Letter (if applicable)
Letter explaining any late payments, judgments, liens, bankruptcy, or foreclosures.
Picture ID with Social Security Number
Certificate of eligibility, or statement from your Commanding Officer if you are on active duty.
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