Different programs require varying amounts of documentation. Additional situation and loan product-specific requirements may. Please contact us for a free, no-obligation consultation to determine documentation requirements for your specific case.
Standard documentation
- Copy of Government-issued Photo ID/Driver's License
- 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 retirement funds will be used in the transaction)
- If you are paying rent - either twelve months of cancelled 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 borrowers and borrowers on commission
- Federal tax returns for the last two years, including all schedules
- If self-employed through a corporation, corporate Federal tax returns for the last two years, including all schedules
If you own multiple properties
- Most recent signed Federal tax return, including all schedules (does not apply if the only other property you own is a second home and not a rental)
- Most recent loan statement and tax, insurance and condo fee bills (as applicable) for all other real estate owned
