Providing fast and efficient service requires having the necessary documents. Please take a moment to review the following items. Providing these documents to your home loan professional in a timely manner will allow our team to better serve you and your family.
• Past two (2) years W-2 statements
• Pay stubs covering the last (30) thirty days
• Two most recent monthly bank statements - ALL PAGES
• Most recent quarterly statement of 401K, IRA, or mutual fund accounts
• Copy of the purchase contract (if available)
• If you are currently renting… either 12 months canceled rent checks or the name, address and phone number of your current landlord
• If divorced… a fully executed divorce decree and separation agreement
• For a refinance... a copy of the deed, declaration page(s) of homeowners insurance, and most recent tax bill
• A letter of explanation for any known credit issues
• Two (2) years signed personal tax returns - including all schedules
• If self-employed, last two years corporate returns
Different programs require varying amounts of documentation.
The loan program you select may require more or less documentation.