Required Documents

IMPORTANT:

PLEASE SEND ALL ITEMS THAT APPLY TO YOU!

Email or Fax Please.

• Past two (2) years W-2 statements & Tax Returns 
• Pay Stubs covering the last (30) thirty days.
• Two most recent monthly bank statements (all pages).
• Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts.
• Photocopies of any stocks or certificates of deposits.
• Copy of the purchase and sale agreement.
• If you are currently renting....either 12 months canceled rent checks or the name & address of your current landlord.
• If divorced...a fully executed divorce decree.
• For a refinance...a copy of the deed, and most recent tax bill, copy of latest mortgage statement with phone #.
• Letter of explanation for any known credit problems, slow pays, liens etc....
• Letter of explanation if receiving cash back from the refinance (what will funds be used for). 
• Copy of Drivers License and Social Security Card or other state issued form of Identification if no Drivers License
• Copy of current Home Owners Insurance policy including agents name, address and phone number. 
• Home Owners Association, name, address and phone number.

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

• Two (2) years signed personal tax returns, K-1"S - 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. Please contact us for a free, no-obligation consultation.