Required Documents

CREDIT QUALIFYING LOANS: 

•  Past two (2) years W-2 statements.
•  Pay Stubs covering the last (30) thirty days.
• Most recent two months' bank statements.
• Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts if using for source of funds.
• Photocopies of any stocks or certificates of deposits if using for source of funds.
• Copy of the purchase and sale agreement.
• If you are currently renting….either 12 months canceled rent checks or the name and address of your current landlord.
• If divorced… a fully executed divorce decree and property settlement statement. 
• 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.

REFINANCES  & FHA/ VA STREMLINE REFINANCES - PLEASE ALSO INCLUDE THE FOLLOWING:  

• Warranty deed, prior owners title policy, land survey

• most current mortgage statement and property tax bill

• copy of mortgage note & mortgage deed & closing statement

• most current Homeowner's, Flood, and Windstorm insurance policy declaration pages, where applicable. 

• most current escrow analysis or Year End interest Statement

• Driver's license & Social Security Card.

• Resident Alien card (if applicable)

IF YOU HAVE A SECOND MORTGAGE

• most current mortgage statement

                PRIOR BANKRUPTCY

• Bankruptcy pettion, include all schedules
• Bankruptcy Discharge
• Explanation on Bankruptcy

                 DIVORCED

• Divorced Decree
• Property Settlement Statement
• 6 months cancelled checks, both sides on mortgage payments

                VA ROLLOVER

• All of the above documents plus: Original Certificate of eligibility or DD214- Discharge Certificate

Different Programs require varying amounts of documentation.  The loan program you select may require more or less documentation.