Today is Tuesday, September 07, 2010

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 atementof documentation.  The loan program you select may require more or less documentation.

We work to get you the best loan possible. Our qualification process is simple and fast!

Fill out our easy online loan application!

8551 WEST SUNRISE BLVD, STE. 100A
PLANTATION, FL 33311
TOLL FREE: 888-771-3400
PHONE: 954-978-3100
FAX: 954-671-6858

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