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.
We were appreciative of summits professionalism through out the loan process. We were a little surprised at how long the refinance took but since we were not in a rush for funds this was not a major issue for us. Over all we were very pleased with the team at summit
Veronica and Carmel are amazing at what they do!! They communicate thoroughly and work hard around the clock to make sure clients are happy and receive nothing but the best In all areas!! Would highly recommend Team Quintanilla to any family or friend!
From the first day i started this process, the team at summit funding was great! I thought the home buying process would be stressful, but this team proved me wrong! Next time I’m in the market for purchasing a home, i know who I’ll be contacting!
Linda made the entire process so effortless and pleasant. She possesses a great deal of patience, is exceptionally professional and kind as well. She explained everything thoroughly and made sure we were communicated with very promptly. She is a leader in her field!
Blake , David and Erin took on my client while in the middle of escrow after the last lender left us in the dust . They got him approved and saved the sale . Once approved it closed quicker then I have ever seen. Thank you all for everything. You’ve forever won my business!!!
Always prompt replies when I called. We were grateful to Stacy from Redding office, who drove to Red Bluff to expedite signing papers. You all made it an easy, pain free experience. I would definitely refer people to you! Thankyou!!!
Steven n Linda
