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Required Documents

Different programs require varying amounts of documentation. Additional situation and loan product-specific requirements may. Please contact us for a free, no-obligation consultation to determine documentation requirements for your specific case.


Standard documentation

  • Copy of Government-issued Photo ID/Driver's License
  • Past two years of W-2 statements
  • Pay stubs covering the last thirty days
  • Two most recent monthly bank statements
  • Two most recent statements of 401K, IRA, or investment accounts (if retirement funds will be used in the transaction)
  • If you are paying rent - either twelve months of cancelled rent checks or verification of rent (we will obtain)
  • If divorced - a fully executed divorce decree
  • For a purchase - copy of the purchase and sale agreement
  • For a refinance - a copy of the Note for loan being refinanced
  • A letter of explanation for any known credit problems

Self-employed borrowers and borrowers on commission

  • Federal tax returns for the last two years, including all schedules
  • If self-employed through a corporation, corporate Federal tax returns for the last two years, including all schedules

If you own multiple properties

  • Most recent signed Federal tax return, including all schedules (does not apply if the only other property you own is a second home and not a rental)
  • Most recent loan statement and tax, insurance and condo fee bills (as applicable) for all other real estate owned