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.
Leah and her team really had to pull out all the stops to get everything done. I feel like other lenders would have given up on us, but not summit! Our original mortgage and refinance was done through summit. All their hard worked saved us roughly $300 a month. Great team! 💯 recommend!
One thing that made Leah stand out from the rest was when she called me (listing agent ) before offers were even accepted. She made sure I was comfortable in knowing that the buyers were very well qualified. It really did help with our decision on picking the buyers offer. Leah was also very available anytime I had questions.
Leah is an exceptional loan officer and person to work with! She made me feel comfortable through every step of the way and dealt with some less than ideal situations with grace and efficiency! Would absolutely work with again and recommend to anyone needing a loan for a new home! Thanks again, Leah!
My wife and I were first time buyers. Todd and his team were able to advise us every step. They were extremely helpful and knowledgeable with the process. They did an amazing job helping us secure financing for our new home. Thank you Very much Team Todd!
I had a really good time working with Justin and Taylor with summit funding. Every time I had a question or needed help I got a response in a very timely manner. Taylor was super helpful and often put my worries to rest. The overall experience was great and I'd recommend summit funding to whoever is purchasing a home.
Jay & his team is awesome! We were kept up to date, all of our questions were answered right away, and the online portal was very easy to use. These things combined made it so that we could close 2 weeks earlier than anticipated and made the entire transaction seamless!
