Paperwork Needed

To apply for a mortgage loan, the lender will request detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided on your loan application.

Please prepare to provide the following information and legible copies of all pages, including front, back and blank pages: (scanned copies are preferred if possible)

♦ Social Security Cards and Drivers License for both you and any
Co-borrowers

♦ Checking and savings accounts statements for the most recent two months
♦ Most recent statements for any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program)
♦ Paycheck stubs for the most recent 30 days
♦ W-2 forms, and/or income tax returns for the past two years to

verify your income and proof of employment
(Self employeed borrowers must provide a copy of 2 years tax returns,
unless 1 year option is availble)

♦ The name, address and phone number of employer's and someone who
can verify your employment

♦ Residence history for the past two years, listed on the application

♦ Purchase contract for the purchase of a new home (Purchase Only)

♦ Homeowner's association information with contact information if
property is a condo or part of a homeowner's association

♦ Homeowner's insurance agent's contact information

♦ Divorce Decree, to include all pages. (if applicable)

♦ Child Support Judgement papers, if applicable

♦ Rental property address and details of mortgage's, listed on the application (if applicable)

Refinace Only - In addition to the above, please provide copies of the following:

♦  Mortgage statements for both 1st mortgage and 2nd mortgage, if applicable (subject property)

   ♦  Mortgage Promissory Notes for both 1st mortgage and 2nd mortgage
(if applicable)

♦  Property tax bill or statement

♦ Homeowners's Insurance agent's contact information and insurance
declaration page


Home Loan Process Explained: Please visit the "Tools" pull down menu on the blue bar above, then scroll to "The Loan Process" for a brief description of what to expect during a typical home loan process.


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Paperwork Needed

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