Documentation Needed
Items Needed Checklist
Income Items
- Most recent 30-days of pay stubs from your present employer showing year-to-date earnings
- Name and mailing address of your prior employers covering a minimum 2-year period
- Signed & dated copies of your Federal Tax Returns (including all schedules) for the previous two years
- W-2 forms for the previous two years
- Year-To-Date Profit and Loss Statement signed by your Accountant
- Corporate/Partnership Tax Returns for the previous two years with original signatures
- Partnership Agreement(s)
- Renal/Lease Agreements on any rental/investment property owned
- Copy of any Notes due you that you derive income from
- Verification of stocks owned as well as any dividend income you earn from them
- Verification and explanations for:
- Commission Income
- Overtime Income
- Bonus Income
- Separation Agreement/Papers
- Final Divorce Decree/Papers
- Proof of child support or alimony payments received for the last 6 months (court paid or cancelled checks)
- Letter from Social Security showing the awarding of your monthly social security benefits
- Letter from your Pension Plan showing the awarding of your monthly benefits for pension
Credit Items
- Name and address of current landlord or present mortgage holder/land contract holder
- Letter of explanation for any of the following:
- Slow payments
- Foreclosure
- Judgments/Liens
- Bankruptcy
- Credit Inquiries
- Copy of Bankruptcy Petition, All Schedules, Notice of Discharge and a Written Explanation
Other Items
- Copy of the Deed showing Ownership in Property (if a refinance)
- Copy of Original Purchase Contract with all exhibits, attachments and addendums on home being purchased
- Closing statement on sale of current or previous property
- Completed and Signed Gift Letter on form provided by WesBanco Bank
- Copy of Purchase Contract on current home that you are selling
- Copies of the last two month's account statements for all deposit accounts listed on the loan application (all pages)
- Copy of your DD 214 form
- Copy of your Certificiate of Eligibility form
- Copy of your current driver's license - for each borrower involved; check to make sure it is not expired