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.
From submitting the application online, to all of the people who represent various aspects of the loan process everyone was professional, friendly, knowledgeable and most importantly helpful. From beginning to end my wife and I felt like we were being taking care of. Plus, the fees were affordable and we received a phenomenal rate!
Karl is an excellent communicator, he answered every question we had and explained everything in a way that made sense to someone unfamiliar with the process of refinancing. He was always responsive and went out of his way to help us finish our refinance in a timely manner. Just what we were looking for.
This was a very time sensitive transaction with multiple contingencies on the line. Karen was extremely efficient, knowledgeable, communicative and worked diligently to meet a very critical closing date. She definitely will have my referral moving forward!
Everyone on the team was great from start to finish. As a first time home buyer, I had a ton of questions. They were handled professionally and answered in a way I could understand.
Olivia specifically was awesome to work with! She was always on top of it and made sure my loan was on track.
I’d recommend this team to anyone!!
We were happy to work with Carmel and Veronica again we have worked with them both in Moses Lake on our first home purchase years ago and we were happy with the services they provided to us then and again with our fourth home purchase. 😊 Thank you and Thank you to your team
Noemi and Jose Rocha
Communication was always professional, speedy, and on-time. Availability on weekends and evenings was a major bonus as well. The Newton team was always looking out for the best ways to get us the lowest rate and close on time. They are a rockstar team!
