Required Documents

• Past two (2) years W-2 statements
• Pay Stubs covering the last (30) thirty days
• Two most recent monthly bank statements
• Most recent quarterly or two months statements for 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 and address of your current landlord
• If divorced…a fully executed divorce decree
• For a refinance...a copy of most recent mortgage statement and most recent home owners insurance and property tax bills.
• A letter of explanation for any known credit problems

  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. Please contact us for a free, no-obligation consultation.