Items that may be requested during your home loan process:
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.
Bridget is a wonderful individual to work with. She sat down with us so that we could go over our refinancing options. She gave us all of the information that we needed to make a quick decision and she was quick with her team so that we could close by the end of the month!
Josh is a true professional.Efficent,thorough,courteous knowledgeable, caring over all an excelente loan officer and a great person to work with.I would definitely recommend him to friends.Thank you for working so hard and going above and beyond to make our dream a reality.
I really appreciate all the clarity in regards to the loan and the quick communication we had back and forth. If I had a question your team wood get right on it and get me answers. Thank you for your professionalism and competitiveness to gain my business. I had a great experience with all your team.
Danielle and Megan were amazing to work with. Their outstanding communication and attention to detail are what made this transaction. I can’t thank you girls enough for all the work you put in!! While the world was going crazy around us with Covid-19, they marched on! Thank you so much!
Rob and the team were very responsive and made themselves available no matter what the time was. They were always very nice and understanding. They answered all our questions and concerns to make sure we understood everything throughout the whole process.
Ryan stayed connected throughout the entire process, even calling on a Sunday to update us at one point! He goes above and beyond with his service, is pleasant to work with, and exceeded expectations with regards to the loan services he offered us.
