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.
Michael and Michael were a pleasure to work with on this transaction. As a Realtor, we are sometimes nervous about our Buyers using a lender we are not familiar with . In this case I was more than impressed with the level of service and how flawless the loan process was. Job well done! Thank you for making this part of the transaction so easy.
Derrick and his team made my refi process so simplified and streamlined. After trying two other companies first that seemed to continuously set up road blocks to complete the process, I called Summit and received a positive response right away. Thank you all for helping my family jump start 2021!!
Working with Derrick, Tony and Shawn was a dream. Everything was such a smooth and easy process. Tony answered all my questions and Shawn helped me navigate things I was unfamiliar with. I would recommend them a thousand times over. Thank you for helping us refi!! We appreciate you!!!
This is our second perfect experience with Donna and her Team!! They go above and beyond to make sure every detail is communicated properly. We think so highly of Donna that our oldest son and his wife are currently using her and will be closing on their first home next month. Thanks again Donna, we look forward to next time!
Ryan and his team are fantastic! Any time I had questions about numbers, rates, etc. I was able to send an email, and I always received a quick response. Ryan made sure to thoroughly explain the process, run and explain the numbers, and ultimately make me feel at ease with the final decision to refinance.
The continuous personalized communication from both Terry and Kim made the process smooth and easy to understand. I wouldn't have come back a second time if I didn't feel welcome and informed. Thank you again Terry and Kim for all of your assistance with every step of my loan.
