Home Equity Line of Credit Required Documents

Home Equity Line of Credit Documentation Checklist

In order to process your application as quickly as possible, please provide following:

Income Sources Stated on the Application:


  • Current paystub dated no earlier than 30 days prior to the initial loan application date and including all year-to-date earnings
  • Last two years’ W-2 Forms

Self-Employed, Receive Commission Income or Own Investment Real Estate

  • Last two years’ signed Personal Federal tax returns including all schedules
  • Current year-to-date Profit & Loss Statement 

Disability, Social Security, or Pension Income

One of the following:

  • Most recent award letter showing amount of income received, OR
  • Two most current bank statements showing amount and source of income, OR
  • 1099s from the last two years

IRA or 401k Distributions

One of the following:

  • Letters from the organization providing the income, OR
  • Current retirement award letters, OR
  • Most recent year signed Personal Federal tax returns, OR
  • Most recent year W-2 or 1099 Forms, OR
  • Two most current bank statements showing amount and source of income

Alimony or Child Support*

  • Date of birth of any children
  • Copy of Divorce Decree
  • Documentation of no less than six months of the borrower’s most recent regular receipt of the full paymeny

Asset Verification

  • Most recent two months’ bank and/or credit union statements for all non-Honor Bank accounts

Other Required Items

  • Current Photo ID
  • Copy of your homeowner insurance current declarations page
  • Copy of most recent tax bills and homeowner insurance current declarations page for other properties owned
  • If the property to be secured by the mortgage is in a flood zone: Copy of flood insurance policy showing policy term, amount of coverage and premium.

* Income derived from alimony, child support or separate maintenance payments need not be revealed if the applicant does not want the income to be considered in determining creditworthiness.

Home Equity Line of Credit Resources

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Routing Number: 072406865

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