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What items will I need at application?
While it is true that certain mortgage programs require more information than others, it is still important to be as prepared as possible for your meeting with your Mortgage Consultant. The more information you can provide at application, the quicker your loan will be processed.
Please be prepared to provide the following at application:
§ A copy of your most recent pay-stub, complete with year to date and gross pay. The pay-stub must be dated within 30 days of application.
§ A copy of your prior 2 (two) years W-2s.
§ If self-employed, include copies of your past 2 (two) years 1040 tax returns and corporate returns with all schedules. All returns must be signed and dated by all borrowers.
§ If self-employed, include current (within 30 days) profit & loss statement and balance sheet signed and dated.
§ A copy of the 2 (two) most recent bank, retirement, and investment statements.
§ If you are currently renting, please bring with you your landlord’s name and address along with your monthly payment amount.
§ A copy of your driver’s license or social security card.
§ If this is a purchase transaction, a copy of the sales contract for the subject property.
§ If this is a refinance, a copy of your recent homeowner’s insurance policy showing coverage amount and annual premium.
§ If this is a refinance, a copy of a recent statement from your current mortgage company showing address and account number.
If this is a refinance, a copy of your most recent property tax notices showing the amount of taxes due
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