Helping you build the Bemidji area since 1910

Borrower's Checklist


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Home Loan Applicant's Checklist

Here is a useful list to help you start collecting and updating the information you'll need to apply for your Home Loan.

Click here for printable version.


Borrower Information:

  • Most recent paystubs showing year to date income for pay period covering 30 days.
  • Last year's W-2's for all jobs.
  • If self employed with more than 25% ownership in business; need two years personal and corporate or partnership Federal Tax Returns with all schedules. YTD Profit and Loss and Balance Sheet.
  • If retired, copy of most recent Social Security Award Letter and other Retirement Income.
  • Copy of current bank checking and savings statements, covering one month. Retirement accounts and IRA's.

Property Information:

  • Copy of Purchase Agreement signed by all parties for purchase transaction.
  • Sworn Construction Statement with copies of bids, plans and specifications for construction loans.
  • Legal description from abstract, survey or prior title insurance policy.
  • County Real Estate Tax Statement with parcel number.

Other Information:

  • If refinance transaction; copy of hazard insurance policy with effective dates and annual premium listed. Copy of last monthly billing statement from existing mortgage lender.
  • Name and address of current landlord.
  • If 1st time homebuyer; Copy of Homebuyer Class Completion Certificate.

Mobile Banking and Mobile Deposit


Security BankUSA Mobile Banking is a fast, secure way to access your accounts from your mobile phone. Deposit your check using your smartphone. Anytime. Anywhere.

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