Requested Documents

We may ask you to provide us with Information that will help us to evaluate your potential application for a mortgage loan. 

The following documents may be requested to obtain new mortgage loan:

• Past two (2) years W-2
• Pay Stubs covers recent 1 month period
• Recent two (2) monthly bank statements
• Most recent two (2) monthly statements OR one (1) quarterly statements of 401K, IRA, stock or Mutual Fund Accounts (if used toward the transaction)
• Most recent statement of Certificates of Deposits (if used toward the transaction)
• Photocopy of a valid government issued I.D.

Also, the following documentation is also generally required.

For a refinance:

• A copy of the current mortgage statement, homeowner insurance declaration pages, HOA monthly statement (if applicable)

For a Purchase:

• Escrow company contact information
• Realtor contact information

For a VA Loan:

• DD Form 214 (Long Form)

• COE (Certificate of Eligibility)

If you are divorced:

• A fully executed divorce decree

If you are self employed, employed in sales, paid by commission, or own rental real estate:

• Two (2) years personal tax returns - including all schedules
• If self-employed through a business, last two years business tax returns 

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.