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IT GOES WITHOUT SAYING, YOU WANT AN ANSWER QUICKLY.

Let’s work together to get you the fastest possible answer. Go ahead and collect the list of documents below so we can start working on your mortgage request right away.

With over twenty years of real estate experience, we strive to deliver a quality customer service and the highest level of expertise available in the area.

DOCUMENTATION YOU NEED TO SUPPLY:

INCOME INFORMATION:

Year-to-date pay stub(s) documenting at least 30 days of income.
All W2 form(s) and 1099(s) for the past two years.
If self-employed, all pages of the past two years personal federal tax returns.
If business ownership is 25% or more, all pages of past two years’ signed corporate tax returns and K-1 statements for all entities listed on Schedule E. Profit and Loss Statement and Balance Sheet may also be required.
If retired or currently not employed, proof of other sources of income, such as Social Security award letters, 1099 tax forms for past two years, retirement and 401(k) statements, and most recent bank statement(s) documenting evidence of current receipt.
NRental income requires all pages of the most recent year personal federal tax returns and copies of all current leases.

ABILITY TO PAY MONTHLY FINANCIAL OBLIGATIONS / OTHER :

If currently separated or divorced, a complete copy of separation agreement or divorce decree.
A government-issued photo ID (i.e., driver’s license, state-issued non driver’s ID, U.S. military ID).
Completed signed sales contract for the property being purchased.
For veteran loan programs, military discharge papers (Form DD214) or Statement of Service and Certificate of Eligibility.
For Construction-to-Permanent loan programs, executed lot contract if purchasing lot or copy of recorded deed to the property if currently owned, and executed construction contract or initial cost estimate.
9If refinancing, copy of deed, homeowners insurance policy and real estate tax bill.

ASSETS TO FUND DOWN PAYMENT AND CLOSING COSTS:

Most recent monthly or quarterly bank statements (.e., checking, savings, investments, pension, retirement) including all pages.
A copy of the earnest money deposit check and the due diligence check, if applicable.
if using a gift, gift donor name, complete mailing address and gift donor asset documentation, if applicable.

DOCUMENTATION YOU NEED TO SIGN AND RETURN:

Completed loan application (form 1003) – we worked on this together. will be sent to you.
All required signed disclosures – I will send to you.