Required Documents

• Past two (2) years W-2 statements
• Pay Stubs covering the last (30) thirty days
• Three most recent months bank statements (ALL PAGES, ALL ACCOUNTS) 
• Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
• Most recent Photocopies of any stocks or certificates of deposits
• Copy of the purchase agreement (if applicable)
• If you are currently renting....either copies of last 12 months canceled rent checks or the name and address of your current landlord
• If divorced...Copy of the  fully executed divorce decree
• For a refinance...a copy of the most recent mortgage statment from current lender
• Copy of the 'Declarations' page of you home owners insurance policy 
• Copy of the most recent statment of any debts to be paid off with loan
• For a 2nd mortgage or Home Equity Loan...Copy of the note from your current first mortgage 
• 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.