Mortgage lenders require paperwork that verifies the information we place on your loan application.
Our goal is to obtain a speedy approval! The below items are typical required documents:
Income & Assets:
- W-2's from the past two years
- Paystubs covering the most recent 30 days
- If retired, verification of monthly retirement income
- Two months most recent bank statements, for all asset accounts
- Tax returns (1040s) from the past two years
- For self-employed borrowers, employed in sales, paid by commission or owns rental real estate:
- Two years signed personal tax returns - including all schedules
- If self-employed through a corporation - last two years corporate returns
Housing:
- If you currently own a home:
- Current mortgage statement showing if you currently escrow taxes and/or insurance
- If you do not escrow taxes and/or insurance, your most recent tax bill and insurance policy showing the annual premium
- If you live in a homeowner's association, most recent invoice from your HOA proving recurring dues
Other:
- Copy of the purchase or sales agreement, for purchases
- Copy of Drivers Licenses
Each loan program and borrower circumstance will require different forms of documentation. To receive a complete and comprehensive list, contact us for a no-obligation consultation!
