Past two (2) years W-2 statements
Two (2) most recent tax returns
Pay stubs covering the last (30) thirty days of employment
Two most recent monthly bank statements
A signed purchase contract
Realtor contact information
Condo/Homeowner's Association contact information
A copy of the deed
Most recent tax bill
DD Form 214 (Long Form)
A fully executed divorce decree
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.
Each loan type has different criteria's and varies in regards to the terms, conditions and lender/government guidelines of a mortgage program. When added to the uniqueness of each client situation, then more or less documentation may or may not be required from the above list. After completing a client mortgage loan application, we will provide them with (1) a Loan Estimate and a Home Loan Toolkit, and (2) collect their signed and dated written "intent to proceed" form before submitting a loan file to be underwritten. Please contact us for a free, no-obligation consultation.