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.
Steve’s excellent expertise and superb ability to communicate not only right information but also suggest what’s right for the client is incredible. I trust Steve and his knowledge completely and look forward to doing more business with him in the future!
My family just bought our first home and Lisa (and her team) was a tremendous help. She walked us through the process and explained everything in detail. She was also very timely in responses, even on weekends and her very own birthday. I definitely recommend her to anyone in need of her services.
Ron is always willing to answer any question and super informative and knowledgeable. He available and always makes contact with you if you leave a message (which is only if he is on the other line when you call). This is our second home purchase with Ron and such superb service.
This is as very professional group and friendly at the same time. Efficient and easy to work with. We got things done quickly. George helped us find a great rate and Linna was wonderful keeping us up to date on what was needed form us. The process could not have gone any smoother.
Pam was AMAZING during the entire transaction! My clients were from out of state and she helped them every step of the way with a smile on her face! She is always positive and gets things done quickly! I can't wait to do many more transactions with her!
Ryan and the team at Summit are so knowledgeable and crystal clear on their communication. They make the process easy and understandable. I will definitely be working with Ryan again in the near future and will recommend friends and family. Thank you!
