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.
The Eagal Team at Summit Funding provided first class service from loan initiation to approval. All members were professional in their interactions, knowledgeable of the process, and made me feel at ease. Will continue to work with Blake and his team in the future. Great job!
I was well informed throughout each step of my home purchase. Any questions or concerns were quickly answered in depth. I had no trouble or anxiety during the biggest purchase of my life thanks to the Newton team. Nathalie Amador was very knowledgeable while going above and beyond to help me feel at ease. Thank you!
Marcel was absolutely amazing! Communication was great throughout the whole process. I felt like he was 10 steps ahead at all time which makes for a great transaction. Thank you Marcel for all your handwork and look forward to growing our business together. - Jett - Berkshire Hathaway (THE RHODES TEAM)
I’ve worked with Steve and team on 3 transactions and I will say with great confidence no one have ever made the process this honest and this easy. Their communication is perfection from start to finish. Personable, professional, and perfectly completed. Thank you to Steve, Ami, and the entire summit team!
Tony Trejo and Ashley Sellers both had great communication and positive energy throughout my refi, and made a traditionally very stressful process incredibly smooth. I appreciate that time frame and process expectations were set from the beginning, and were accurate. I’ll definitely be referring friends and family to this team!
The team's communication is fantastic and I can always rely on Anna to help my clients formulate a plan to reach their goals. She doesn't just approve someone and send them on their way - she makes sure they are set up for success at every point throughout the transaction.
