At the time of application, we will request the following basic documentation from you to complete the loan file:
- Past two (2) years W-2 statements
- Past two (2) years personal tax returns (must include all schedules)
- Pay Stubs covering the last (30) thirty days
- Social Security Awards Letter (if applicable)
- Pension Awards Letter (if applicable)
- Two most recent monthly bank statements (Include all pages even if they are blank. Screenshots are NOT acceptable)
- Most recent statements of 401K, IRA, or Mutual Fund Accounts (Include all pages even if they are blank. Screenshots are NOT acceptable)
- Name and contact number of your insurance agent
Also, the following documentation is generally required.
For a refinance:
- A copy of current mortgage statement
For a Purchase:
- A signed purchase contract
- Realtor contact information
- Condo Association contact information (if applicable)
For a VA Loan:
If you are divorced:
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. Please contact us for a free, no-obligation consultation.
