The following documents may be requested to obtain new mortgage loan:
- Past 2 years W-2 statements
- Pay Stubs covering the last (30) thirty days
- 2 most recent monthly bank statements (All pages including blank ones) (Where the down payment is coming from)
- Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
- Credit Card Authorization form completed for appraisal (paid up front)
- Copy of ID(s)
- Gift Letter/Gift Givers Name & Relationship (If there is a gift involved)
- BK Papers (If applicable)
Also, the following documentation is also generally required.
For a refinance:
- Your most recent copy of tax bill(s) for every property you own
- Insurance Dec page for all properties owned. (We can provide Insurance provider)
For a Purchase:
- A signed purchase contract
- Realtor contact information
- Condo Association contact information. (Your Realtor will provide)
- A copy of Tax Bill(s) for every property you own
- Insurance Dec page for all properties owned. (We can provide Insurance provider)
For a VA Loan:
-
DD Form 214 (Long Form)
-
COE (Certificate of Eligibility)
If you are divorced:
-
A fully executed divorce decree
If you are self employed, employed in sales, paid by commission,or own 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.
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.