Loan Applications

Mortgage Application Checklist

When applying for a mortgage, you will need to provide verification of your income and credit expenses.

Please do not send any verification information until a Roma Bank Representative requests the specific information required.

Here's the basic information that you'll need:

Verification of Income

• Complete signed copies of the last two years Federal tax returns with W-2's attached.
• Most recent four weeks' paycheck stubs.
• If self-employed, most recent two years' federal tax returns and a year-to-date profit and loss statement.
• Most recent three months' bank statements that include your address, account number, and balances.
• Most recent three months' statements to verify additional income or assets (i.e., stocks, bonds, mutual funds, IRAs, rental income, etc).
• Additional information may be requested during the processing of the loan application.

Verification of Credit Expenses

• A list of your outstanding loans that includes your address, account numbers, monthly payment amounts, and outstanding balances.
• A list of your credit cards that includes your account numbers and outstanding balances.

Verification of Property Purchase

• If you are purchasing property, please submit a Purchase and Sale agreement, fully executed by all parties. An Offer to Purchase may be substituted on a temporary basis. (Not applicable to persons pre-qualifying.)