Requested Documents

The following documents may be requested to obtain a new mortgage loan:

  • Past two (2) years W-2 statements
  • Past two (2) years of signed personal tax returns (including all schedules)
  • Pay Stubs covering the last (30) thirty days
  • Two (2) most recent monthly bank statements (down payment or cash to close)

If you are self-employed with ownership of 25% or more then we will need your corporate returns as well as a year-to-date profit and loss statement and a balance sheet.

Also, the following documentation is also generally required.

For a refinance:

  • A copy of the deed, and most recent tax bill

For a Purchase:

  • A signed purchase contract
  • Realtor contact information
  • Condo Association contact information.

If you are divorced or have had a bankruptcy, short-sale or foreclosure:

  • A fully executed divorce decree
  • Bankruptcy papers including discharge papers
  • Short-sale or foreclosure – hud-1 settlement statement from sale

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.