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.
Darla was such a professional the entire loan process, and I was extremely impressed with her communication and expertise. I would refer anyone I knew to her that was purchasing a house. I have no bad things to say about the process or our lenders. So so so happy!!! Thank you thank you for everything 😊
As the seller’s agent in a transaction, the amount of information you receive from the buyer’s lender is often limited. Not in this case - Dale was extremely communicative, friendly, and happy to answer any questions along the way. I will most definitely be referring him to future clients!
Tony was always a 100% honest with us. As a first time home buyer we had many questions and he answered every question. Tony and his team always communicated with us very quickly and they were always professional and friendly. I would recommend their services to everyone.
John King and his team made this such an amazing & smooth process. They are excellent in communication and making a clear understanding of things. My family and I couldn’t imagine this process done by anyone else and we are more than happy we went with the Summit family.
We can’t say enough great things about Lacey Moores and her team. They are truly AMAZING!!! We were informed throughout the entire process. They truly care about their customers and treat them like family! We highly recommend Lacey and her team. We promise you won’t be disappointed!
Casey is the best! Great at connecting with clients and always in constant communication. He makes what can be a daunting process the exact opposite. Always on time and makes himself available for even the littlest things. If you're looking for an awesome lender, look no further then Casey and team!
