Required Documents

Receiving documents from a client in a timely manner is very important. The loan process starts sooner and proceeds much smoother. Please ensure all documents presented are legible, complete and in proper order.
 

• Two (2) years most recent Federal Tax Returns (all pages and schedules)
• Two (2) most recent paystubs (covering the last (30) thirty days)
• Two (2) most recent monthly bank statements (all banks, all pages; on-line printouts are not acceptable) 
• Most recent transaction summary of 401K, IRA, Mutual Fund Accounts or Deferred Compensation Statement
• Colored copy of Government Issued Identification Card & Social Security Card 
• Photocopies of any stocks or certificates of deposits
• Copy of the purchase and sale agreement (for home purchase)
• If renting - twelve (12) months canceled rent checks or name and address of your current landlord
• If divorced - a fully executed divorce decree
• For a refinance - copies of last mortgage statement, deed, recent tax bill and Homeowners Insurance Declaration page 
• A letter of explanation for any known credit problems (form will be provided) 
  

  For self employed borrowers, employed in sales, paid by commission, or owns rental real estate:

• Two (2) years signed personal tax returns - including all schedules
• If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet
   

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. This is for informational purposes only to give you an idea of the items that may be required. Please contact me for a free, no-obligation consultation.