Your mortgage will be one of the largest loans that you receive during your lifetime.  First Ohio Home Finance, Inc. traditionally looks at four, major factors when considering you—the borrower—for a home loan: income, debt, down payment and credit history. You will need to provide detailed information in order to receive your loan approval.

Personal Information

  • Photo ID
  • Proof of Social Security number (copy of SS card or W2 statement)
  • Residence addresses for the past two years
  • Copy of green card, if not a U.S. citizen


  • Pay stubs (past 30 days)
  • Names & addresses of each employer (last two years)
  • W-2s (last two years)
  • Tax returns: 2-year returns are required for the self-employed


  • Three months of statements for: bank accounts, mutual funds and investment accounts
  • Large deposits: explanation and source of deposit. If deposit was a gift you need: signed gift letter, copy of gift check and copy of deposit receipt.

Property Information (if in contract)

  • Purchase agreement
  • MLS sheet and legal description
  • If you already sold your current home: need copy of settlement agreement
  • If you are currently selling your home: need copy of listing contract
  • Value of personal property and furniture

Business owner (own 25% or more of business)

  • Corporate | Partnership tax returns


  • Last two years of tax returns (with all pages and schedules)
  • Profit and Loss statements (for current year) prepared by an accountant
  • K1’s for last years for all S-Corps


  • Pension award letter
  • Social Security award letter

Rental Property

  • Current rental agreements and tax returns (last two years)
  • Child support as income
  • Need copy of divorce settlement
  • Need copies of cancelled child support checks (12 months)


  • Copy of divorce decree
  • VA Loans
  • Report of Separation and copy DD form 214

Debt information

  • Info needed on all current loans: names, addresses, account numbers, monthly payments and balances (typically found by pulling credit report).
  • Credit report irregularities: credit inquiries (last 90 days), late payments, collections, judgments, liens and charge-offs
  • Bankruptcies (if filed within last 7 years): copy of bankruptcy papers

More Questions? Contact First Ohio Home Finance, Inc.