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.
Jeremy is a true professional. He ensures all of our homeowners are taken care of at a high level for their lending needs and he is a great communicator. I highly recommend Jeremy to anyone in the market for a new home, refinance, or investment property!
It was always a pleasure when talking with Karen. She was patient and took the time to explain everything so we understood what to expect. The process from start to finish was as smooth as you can get. We would definitely recommend her to our family and friends.
Communication, follow up...access and response. I can call on Sandy when the business calls on us. She has always been there to get things done, make things happen and guide my clients to a successful outcome. Mortgages are not easy. Sandy makes things happen...and in our words...she is a part of getting things DONE!
Julie was beyond wonderful. First contract and she stayed in contact, always immediately answered any questions I had, and even was helping with me after having a baby within days. I cannot say enough good things about how amazing she was through this difficult contract. She is happy, timely, commutative, friendly, and all around just wonderful.
Arlo and team were flawless in their management our our refi. They were able to explain even the most intricate nuances. They were always available and pro-active in keeping us informed throughout the entire process. First Class! Would give future business and refer friends (and already have).
Christine and Aimee are super helpful answering all of our questions and concerns. They were always available when we needed them by email or phone. We could not have been happier and will definitely be recommending them to friends! Great overall experience. Thank you!!!
