Required Documents

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation to determine the exact documentation requirements for your case.

Standard documentation:

  • 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 using)
  • If you are paying rent - either twelve months of canceled 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, on commission or rental property owners:

  • Two (2) years signed personal tax returns - including all schedules
  • If self-employed through a corporation, last two years corporate returns and a year-to-date profit and loss statement