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.
Very friendly and energetic staff made for a great experience with our refinance. Just a friendly point: Communication could be a bit better as well as giving accurate time projections on the process as regardless of work load, better to underpromise and over-deliver when discussing time frames.
Justin was excellent with communicating the loan status all the way along. He had some obstacles to overcome and was able to get things done in a timely manner per our purchase agreement. He was pleasant to work with and I would recommend him to anyone looking for a calm and highly experienced loan officer.
AJ Barendhe and his team did a great job explaining the loan process and quickly processed our loan. AJ took time over the weekend to get the prequalification process started so that an offer could be made on the house. I would definitely recommend AJ to anyone seeking friendly and efficient loan services.
The process was very straightforward with much communication along the way in terms of status and what was still needed. I love the weekly updates so I never had to guess where I was in the process. The app was very easy to use to upload any necessary documents and e-signing was quite convenient and easy!
I cannot express how wonderful it was to work with Joshua and his team of professionals. The process of securing a home loan can be a bit daunting but Joshua was found the perfect resources and explained everything clearly. I could not be more please with the results. Thank you Joshua and team!!
Todd and team were on it from the beginning - emails were answered promptly, calls were taken at all hours. Nicole, one of his team members, walked us through everything and felt like she was there for us as a friend trying to get everything done quickly and painlessly.
