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Here’s a breakdown of items to help you prepare.

MORTGAGE APPLICATION: WHAT YOU NEED
  • Copy of valid photo ID
  • Recent bank statements (all pages)
  • Recent pay check stubs showing YTD income
  • Most recent two years’ W-2 forms
  • Most recent two years’ federal tax returns (all pages)
  • Decree (if applicable)
MORTGAGE CLOSING: WHAT YOU NEED
  • Copy of valid photo ID
  • Recent bank statements (all pages)
  • Recent pay check stubs showing YTD income
  • Most recent two years’ W-2 forms
  • Decree (if applicable)
  • Most recent two years’ federal tax returns (all pages)
MORTGAGE CLOSING: WHAT YOU'LL RECEIVE
  • Keys and garage door openers if applicable
  • Closing Disclosure
  • Copies of all documents that you sign regarding the mortgage
  • Copies of Warranty Deed, Bill of Sale and Seller’s affidavit
AFTER CLOSING: NECESSARY ITEMS
  • Take a copy of your Warranty Deed to city hall and file homestead
  • Check local schools for registration procedures
  • Register to vote
  • Change address at post office
  • Change address on your driver’s license (Minnesota law requires this be done within 30 days after you move)
MORTGAGE CALCULATOR*
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*Calculations by this calculator are estimates only. Calculations don’t include mortgage insurance, home insurance, or taxes. There is no warranty for the accuracy of the results for this calculator.