Required Documents

To expedite your mortgage approval, please prepare to provide us the following documents:

• The most recent two (2) years W-2 and/or 1099 statements for all borrowers
• The most recent pays stubs from the last 30 days for all borrowers
• The most recent two (2) months bank statements (all pages - even if blank)
• The most recent two (2) months 401k, IRA & mutual fund account statements (all pages)
• For all properties owned: Mortgage statement (if applicable), Home Owners Insurance Declaration Page, Real Estate Tax Bill and Home Owners Association Bill/Statement (if applicable)
• If you are currently renting please provide 12 months cancelled rent checks or the name, address and number of your current landlord

 

For refinances, the following will also be required and or helpful:

• A copy of your deed
• A copy of your mortgage statement
• A copy of your most recent property tax bill
• A copy of your Home Owners Insurance declaration page with agent name and contact information

 

For purchases, the following will also be required and or helpful:

• A fully ratified contract of sale, include all addendums
• Realtor contact information
• Condo Association contact information, if applicable

 

For a VA loan, the following will also be required:

• Your DD214 (long form)

 

If you are divorced, the following will also be required:

• A fully ratified divorce decree

 

If you are self employed, the following will also be required:

• Your most recent two (2) years signed federal tax returns (all schedules- personal and corporate)
• Your three (3) most recent months business bank statements
• YTD P&L and balance sheet

 

Please note: Different programs may require more or less documentation.  We can and will help guide you through this process.