Application Checklist
                     APPLICATION CHECKLIST | 
OSPREY MORTGAGE LENDING
www.ospreymortgagelending.com
YOUR PROPERTY
• Copy of signed sales contract including all riders
• Verification of the deposit you placed on the home
• Names, addresses and telephone numbers of all realtors, 
builders, insurance agents and attorneys involved
• Copy of Listing Sheet and legal description if available (if the 
property is a condominium please provide condominium 
declaration, by-laws and most recent budget)
YOUR INCOME
• Copies of your pay stubs for the most recent 30-day period and 
year-to-date
• Copies of your W-2 forms for the past two years
• Names and addresses of all employers for the last two years
• Letter explaining any gaps in employment in the past 2 years
• Work visa or green card (copy front & back)
IF SELF-EMPLOYED OR 
RECEIVE COMMISSION OR BONUS, INTEREST/DIVI
DENDS, OR RENTAL INCOME:
• Provide full tax returns for the last two years PLUS year-to-date Profit 
and Loss statement (please provide a complete tax return including 
attached schedules and statements. If you have filed an extension, 
please supply a copy.)
•  K-1s for all partnerships and S-Corporations for the last two years 
(please double-check your return. Most K-1s are not attached to 
1040.)
• 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.)
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)
• Savings, checking or money market funds - provide copies of bank 
statements for the last 3 months
• Stocks and bonds - provide copies of your statement from your broker or 
copies of certificates
• Gifts - If part of your cash closes, provide a Gift Affidavit and proof of 
receipt of funds
• Based on information appearing on your application and/or your credit 
report, you may be required to submit additional documentation
DEBT OR OBLIGATIONS
• Prepare a list of all names, addresses, account numbers, 
balances, and monthly payments for all current debts with 
copies of the last three monthly statements
• Include all names, addresses, account numbers, balances, and 
monthly payments for mortgage holders and/or landlords for 
the last two years
• If you are paying alimony or child support, include marital 
settlement/court order stating the terms of the obligation
• Check to cover Application Fee(s)
INFORMATION SOURCE
www.ospreymortgagelending.com