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.

For borrowers with W-2 income:

• Past two (2) years W-2 statements
• Pay Stubs covering the last (30) thirty days
• Three 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
• If this is a new home purchase... 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 the deed, and most recent tax bill
• A letter of explanation for any known credit problems

 

For self employed borrowers, borrowers employed in sales and paid by commission and/or owns rental real estate, please add the followng: 

• 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