Document Checklist

Here is a checklist of the supporting documentation we will need in order to process your loan application. We strive for full documentation at the pre-approval stage to ensure your pre-approval is as strong as possible and to make sure to address any potential problems before you go under contract on your home.

ALL BORROWERS:

  • W-2’s for the previous two years
  • Paycheck stubs for the last 30 days (most current)
  • Employment history for the last two years (address any gaps of employment)
  • Checking and saving account statements for last 2 months (all pages). All non-payroll
  • deposits must be documented – please make a copy of the check before you deposit it.
  • Statements for 401(k)s, stocks, other investments (most recent)
  • Signed tax returns from the last 2 years
  • Residency history over the last two years, with name, phone number, address and account
  • number of landlord or mortgage company
  • If you paid off a mortgage in the last 2 years, need copies of HUD1 Settlement Statement or Release/Satisfaction
  • Photo identification (valid Driver’s License or Passport) for applicant and co-applicant

SELF-EMPLOYED BORROWERS ADDITIONAL DOCUMENTS:

  • Copies of most recent 2 years corporate tax returns (with all schedules)
  • YTD profit & loss statement and balance sheet
  • Copy of business license or CPA contact information
  • 1099s or K1 forms
  • DOCUMENTS NEEDED FOR VA LOANS:
  • Veteran DD214 or Veteran Reservists DD256, or if active duty, Statement of Service
  • Additional items may be requested during the loan underwriting phase if more information
  • is required to guarantee your loan

DOCUMENTS WHICH MAY BE REQUIRED:

  • If Refinancing: Copy of Note, Deed of Trust or Mortgage, HUD 1 Settlement Statement,
  • Survey, and Homeowner’s Insurance information
  • Previous bankruptcy – need copies of Petition and Discharge, including supporting
  • schedules A through K
  • Divorce Decree (if applicable)
  • Relocation Agreement – if relocation move is financed by employer, i.e. buyout agreement
  • plus documentation outlining company paid closing costs benefits
  • Documentation supporting moneys received from social security/retirement/disability,
  • i.e. copies of direct deposit bank statements, awards letter, evidence income will continue
  • for at leastyears
  • Rental property – copies of leases, plus mortgage statement, homeowner’s insurance
  • and property tax statements