We will only request the necessary documents for your mortgage application after you have received both a Loan Estimate and a Home Loan Toolkit, and have provided us with your verbal or written confirmation to proceed with the application. Before we request any documents, we may ask for additional information to help evaluate your potential application for a mortgage loan.
To apply for a new mortgage loan, we may require the following documents:
- W-2 statements from the past two years
- Pay stubs covering the last 30 days
- Two most recent monthly bank statements
- Recent transaction summary of 401K, IRA, or Mutual Fund Accounts
- Photocopies of any stocks or certificates of deposits
- A letter explaining any known credit problems
- If you are currently renting, either 12 months of canceled rent checks or the name and contact information of your current landlord.
For a refinance:
- A copy of the deed and most recent tax bill
- Current Mortgage Statement
- Home Insurance
- HOA Statement (if applicable)
For a purchase:
- A signed purchase contract
- Realtor contact information
- Condo Association contact information
- Home insurance policy
For a VA loan:
DD Form 214 (Long Form)
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 years of 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.
It's important to note that different loan programs may require varying amounts of documentation. Please contact us for a free, no-obligation consultation to determine which documents will be required for the specific loan program you select.
