Personal loan application and document checklist
Thanks for your interest in partnering with Gateway Bank on your personal loan or line of credit. This checklist includes the application and documentation you will need to submit.
4 ways to apply
Choose whichever method works best for you.
Online (fastest)
Apply through our secure online portal — the fastest and most secure way.
Encrypted email
Contact us, and we’ll send you an encrypted email link for your documents.
Tip: We understand this is a lot to gather. Please take your time, and only submit once all documents are ready. The faster you provide all information needed, the faster we can move forward. Once we receive your complete package, we will provide an indication of the interest rate and terms you can expect to receive. Your package will be submitted for approval within 1-10 days in most cases.
Required documentation
The documents required along with your application depends on the type of funding you’re requesting and the way you apply. Pick your method below.
Gather digital copies of the following supporting documentation. Then, use Gateway Bank’s secure portal to apply online for a loan or line of credit.
Disclosures and terms of service
Please review the following disclosures before sharing your information:
For all loans and lines of credit:
- Copies of two forms of identification on all individuals
-
Most recent W-2(s)
-
Most recent pay stub(s) for a 30-day period
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Last three year-end personal federal tax returns, signed and dated, with all schedules and K-1s
For home equity line of credit (HELOC):
- Appraisal Notice (permission to conduct appraisal)
This form is not included in the online application and must be submitted separately. -
Appraisal report and title
For real estate, bridge & construction loans:
- Appraisal Notice (permission to conduct appraisal)
This form is not included in the online application and must be submitted separately. -
Take-out letter from mortgage lender
-
Legal description of the property & Purchase Agreement
-
Copy of construction contract/plans and specs, cost estimate, fixed price construction contract, and permit
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Proof of liability/hazard insurance, including course of construction coverage
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Copies of receipts for any prepaid construction costs
-
Appraisal report and title
Personal trusts
- Certificate of Trust or copy of Trust Agreement
-
If trust files a separate tax return: last 3 years of federal tax returns with all schedules and K-1s
-
Current trust financial statement
Download and complete these forms, then gather the supporting documents listed below. Contact us to request a secure email link, deliver documents to the branch, or schedule a pickup.
Disclosures and terms of service
Please review the following disclosures before sharing your information:
For all applicants:
- Copies of two forms of identification on all individuals
-
Most recent W-2(s)
-
Most recent pay stub(s) for a 30-day period
-
Last three year-end personal federal tax returns, signed and dated, with all schedules and K-1s
Note: Unless assets/income are sole and separate, spouses will both need to initial and sign the Joint Intent and Personal Financial Statement.
For regular consumer loans (not real estate):
For home equity line of credit:
- Universal Credit Loan Application
-
Appraisal Notice (permission to conduct appraisal)
-
Appraisal report and title
For real estate, bridge, and construction loans:
- Universal Credit Loan Application
-
Appraisal Notice (permission to conduct appraisal)
-
Take-out letter from mortgage lender
-
Legal description of the property & Purchase Agreement
-
Copy of construction contract/plans and specs, cost estimate, fixed price construction contract, and permit
-
Proof of liability/hazard insurance, including course of construction coverageCopies of receipts for any prepaid construction costs
-
Appraisal report and title
-
Required for personal trusts
-
If personal assets are held in a living trust, please provide Certificate of Trust or copy of Trust Agreement
-
If trust files a separate tax return, please provide a copy of the last three years’ federal tax returns including all schedules and K-1s
-
Current trust financial statement
For personal trusts:
- If personal assets are held in a living trust, please provide
-
Certificate of Trust or copy of Trust Agreement
-
If trust files a separate tax return, please provide a copy of the last three years’ federal tax returns including all schedules and K-1s
-
Current trust financial statement