Borrower's Checklist

Borrower's Checklist

Once you sign the Loan Estimate and accept the offer, you will be asked to provide several documents. Below is a general list – some items may or may not apply to you.


  • Copy of your current Driver’s License
  • Copy of your Social Security Card
  • If non-resident, a copy of Certificate of Resident Alien Status (Green Card)


  • Most recent income documentation for all parties – covering 30 days (Social Security, Retirement, Current Job income, etc.)
  • Most recent 2 month bank statements (all pages)
  • Most recent 401k, IRA, or other retirement account statements
  • Documentation of any other income
  • Completed tax returns from the last 2 years (signed)
  • W2s from last 2 years (signed)
  • If self-employed, year-to-date Profit and Loss statement prepared by accountant and/or corporate/partnership tax returns
  • Partnership Agreement
  • Copy of bankruptcy proceedings with status and explanation
  • Explanation letter for any late payments, judgments, liens, bankruptcy or foreclosure
  • Gift letter or explanation of source of funds for closing costs


  • Copy of your homeowner’s insurance and flood policy on all property owned
  • Copy of your most recent property tax bill and the due date on all property owned
  • Most recent mortgage statement on all property owned
  • Closing statements from sale of current property owned
  • Name and address of current landlord with cancelled rent checks for the past year


  • Copy of fully executed Sales Contract (If construction loan, a copy of plans and specifications)
  • Legal description from survey, deed, or title work


  • Copy of your DD214

Information presented in the Financial Advice website is provided for educational purposes only and is not related to Ameris Bank's actual products or services. Ameris Bank makes no representations as to the accuracy, completeness or specific suitability of any information presented. Information provided should not be relied on or interpreted as accounting, financial planning, investment, legal or tax advice. Ameris Bank recommends you consult a professional for any specific guidance you are seeking.