Here’s our checklist of documentation we may need from you for your home purchase or refinance.
This list may seem extensive but we’re turning your dreams into a reality!
Valid photo identification
Bank/asset statements for the last two months on all checking, savings, stock, mutual funds, IRA, or other liquid assets you would like on your loan application
Pay stubs for the last 30 days
W-2 forms for the past two years
Federal tax returns for the past two years, including all schedules
If self-employed or you own more than 25% of a business, copies of business tax returns for the past two years, including all schedules. Provide all K-1's to prove ownership interest in any entity.
For other real estate owned, we need loan information, monthly payment, and any rent collected
Home owners insurance contact info
Landlord/mortgage company information for past two years
Certificate of Eligibility and DD-214 or Statement of Service, if applying for a VA loan
Bankruptcy or property short-sale/foreclosure information
A copy of the settlement statement if you sold property in the last three months
Child support payment info, copy of divorce decree and/or separation agreement, if applicable
A copy of the signed real estate contract, if you've already made an offer on a home
Resident alien card, front and back, if applicable
For Refinancing your home, some additional information may be needed:
Current mortgage statement for property you want to refinance
Current second mortgage or equity line statement for property you want to refinance
Estimated value of your home
Recent annual Homeowners insurance policy statement for the property you want to refinance
Pursuant to Federal law, a lender shall not require a borrower to provide such documentation prior to issuing a Loan Estimate. However, you may voluntarily provide documentation to us for consideration. Your loan officer can provide you with a list of documents that are helpful to a lender when pre-qualifying a borrower.
I interacted with Dan and Shawn for all of our transactions and information. At ALL times, they were courteous, informative and supportive. I felt that they were truly supportive of the process and the various difficulties we encountered through the whole process.
I had a great experience working with Summit Funding team. They were superb in communication and helpfulness, which was great since the escrow was only 25 days. I felt as though any stress I had in the home buying process was eased by their professionalism and kindness. I’m definitely recommending them to all my friends!
Leah was proactive in making sure we were educated and informed throughout the process. She got back to me in a timely manner and worked hard to make sure that we got the best possible deal on our loan. She celebrated with us when we finally purchased our home! It was a great experience!
Since this was my first time purchasing a home. I was very nervous and had many questions and concerns about moving forward with my loan. RON Kuhn and his team helped me through the whole process and were very knowledgeable and patient. I am so appreciative for all their time and efforts they put in, making this a very wonderful experience!
Everything about our loan process went very smooth. Email communication was successful, not much need for face to face or phone conversations but those were readily available. The step by step process, from beginning to end, was great. No issues at all.
Thanks Mark for taking such good care of us.
The team was willing to meet with us and answer questions. They more knowledgeable and responsive. We received immediate assistance and communication. Everyone on the team was extremely helpful and polite.They all work together to help us meet our goal.
