We will request documents only after you have completed a mortgage application. Before receiving the requested documents we may ask you to provide us with information that will help us to evaluate your potential application for a mortgage loan.
The following documents may be requested to obtain new mortgage loan:
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Past two (2) years W-2 statements
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Pay Stubs covering the last (30) thirty days
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Two most recent monthly bank statements
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Last (2) years tax returns - all pages
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Identification (drivers license, green card etc.)
Also, the following documentation is also generally required.
For a refinance:
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A copy of the last mortgage statement , and most recent tax bill with current homeowners insurance
For a Purchase:
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A signed purchase contract
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Realtor contact information
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Condo Association contact information. (if applicable)
For a VA Loan:
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DD Form 214 (Long Form - Number 4)
If you are divorced:
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A fully executed divorce decree (all pages)
If you are self employed, employed in sales, paid by commission,or own rental real estate:
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Two (2) years signed personal tax returns - including all schedules
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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.