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There’s no reason that applying for a loan needs to be stressful or confusing. The process is smoother when you’re prepared. That’s why we’ve created the following checklist of items you’ll need in order to submit a complete loan application or pre-qualification. You may be asked to provide the following documents:

  • Unexpired government-issued ID
  • W-2s for last two years and one month of pay stubs
  • Self-employed applicants will need tax returns for the past two years, including all schedules, financial statements, and a year-to-date profit and loss statement
  • Residence address for the past two years
  • Name, address, account number, balance and payments of all open loans and credit cards
  • All checking and savings account statements for the past two months
  • If you have rental income, two years of tax returns
  • Addresses of other real estate owned, along with tax and insurance costs
  • Name, address and phone of your homeowners insurance agent
  • Signed purchase agreement, including addendum for loan application
  • Blueprints, building specifications and cost sheets for construction loan applications
  • Application fee, payable to Wayne Savings Community Bank. This fee will be deducted from closing costs. (There is no fee for pre-qualifications.)

Ready to get started? Contact our lending team, stop by one of the Wayne Savings branches, or apply online for a loan or to get pre-qualified.

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