A little preparation in advance, will keep you moving quickly all the way home.
 

Items that may be requested during your home loan process:

• Copy of ID and SS card

• Bank/asset statements for the last two months (with all pages) on all checking, savings, stock, mutual funds, IRA, or other liquid assets you would like on your loan application

• Pay stubs for the last 30 days

• W-2 forms for the past two years

• Federal tax returns for the past two years, including all schedules

• If self-employed or you own more than 25% of a business, copies of business tax returns for the past two years, including all schedules. Provide all K-1’s to prove ownership interest in any entity.

• For other real estate owned, we need the most recent mortgage statement, insurance declarations page, rental agreement (if applicable), and HOA statement (if applicable)

• Certificate of Eligibility and DD-214 or Statement of Service, if applying for a VA loan

• Bankruptcy discharge paperwork or property short-sale/foreclosure information (if the event happened within the last 7 years)

• Divorce Decree, if applying for a FHA loan

• A copy of the settlement statement if you sold property in the last three months

• Child support payment info, copy of divorce decree and/or separation agreement, if applicable

• A copy of the signed real estate contract, if you’ve already made an offer on a home

• Resident alien card, front and back, if applicable

 

For Refinancing your home, some additional information may be needed:

• Current mortgage statement for property you want to refinance

• Current second mortgage, equity line, and/or HOA statement for property you want to refinance

• Recent annual Homeowners insurance policy statement for the property you want to refinance

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Above is a list of documents that are helpful to a lender when pre-qualifying a borrower. Pursuant to Federal law, a lender shall not require a borrower to provide such documentation prior to issuing a Loan Estimate. However, you may voluntarily provide documentation to us for consideration.