Your Mortgage Checklist

Your mortgage checklist helps you prepare for the mortgage loan process with BB&T.

You can streamline the process of applying for a BB&T mortgage by collecting, in advance, all the information you'll need.

Getting started

To start your BB&T mortgage application process, be sure to have the following information:

  • Full name
  • Social Security number
  • Income
  • Property address for the property you are purchasing or refinancing
  • Estimated value of the property
  • Mortgage loan amount being requested

Documents you need

There will be a number of documents that you'll need to upload during the application process. For each applicant, you will need:

  • Paycheck stubs for the past 30 days
  • W-2 forms for the past 2 years
  • Completed tax returns for the past 2 years
  • Signed copy of IRS Form 4506-T
  • Bank and investment statements for current assets
  • A list of income sources
  • Records of monthly debt payments
  • The estimated value of your home, if applicable
  • Rental property income, if applicable
  • Gift letter with a canceled check and corresponding bank statement, if applicable
  • Profit-and-loss statement (for self-employed applicants)

Next steps

After you have submitted your mortgage loan application, your Mortgage Loan Professional will contact you to discuss the loan terms. You will receive a loan estimate and other disclosures for review. Once you have provided your intent to proceed, your Mortgage Loan Professional will request documentation to validate your income, assets and liabilities.

Keep it up. You're getting smarter about home buying.

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Loans, lines of credit and credit cards are subject to credit approval.

All BB&T mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

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Branch Banking and Trust Company is now Truist Bank. Learn more.

BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or SunTrust.com.

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