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Mortgage Checklist

The following information is usually required during the loan process:

  • Signed Sales Agreement (if applicable)

  • Most recent two months’ paystubs for each borrowerW-2s for last year for each borrower. 

  • If retired, a copy of Social Security award letter or Retirement award letter.

  • If self-employed two years signed tax returns, including all schedules.

  • Last two years of tax returns with all schedules.  We must have signed copies

  • Copies of most recent two months’ bank statements for all bank accounts  (Statements must be on bank letterhead)

  • Any statements for assets such as 401K, Annuities, etc. 

  • Legal Description (Deed)

  • Name, address, and telephone number of Landlord, if currently renting

  • Copy of Homeowner’s Insurance policy (refinance) or binder (purchase)

  • Annual Real Estate Taxes – Amounts or copies of billings


If you currently own Real Estate:

  • Mortgage account information
  • Home equity account information (if applicable)
Somerset Trust Company NMLS #177545
151 W Main Street, Somerset, PA  15501
Toll Free:  (800) 972-1651
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Member FDIC, Equal Housing Lender
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