Documentation Needed

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