Required Documents

Almost every mortgage lender requires that you provide the following documents in order to obtain a new mortgage loan:

• Most recent years W-2 statement
  • if you changed jobs in the last 2 years please provide 2 years of W-2s
• Pay Stubs covering the last (30) thirty days
• Two most recent monthly bank statements
• Most recent transaction summary of 401K, IRA, or Mutual Fund Account

If you are self employed, employed in sales, paid by commission, or own rental real estate:

• most recent years signed personal tax returns - including all schedules
• most recent years 1099s
• If self-employed through a corporation, most recent years corporate returns as well as any K-1s, and W-2s
• Two most recent monthly bank statements
• Most recent transaction summary of 401K, IRA, or Mutual Fund Account

If you are retired:

• current years social security award letter
• any 1099's
• current statements for any retirement accounts 
• two months bank statements showing retirement funds being deposited

 

For a refinance:

• most recent mortgage statement
• current tax bill
• current homeowners insurance declarations page

For a Purchase:

• A signed purchase contract
• Realtor contact information
• Condo Association contact information.*only needed if purchasing Condo*

For a VA Loan:

• DD Form 214 (Long Form

• any benefit statements

• certificate of eligibility 

If you are divorced:

• A fully executed divorce decree along with any additional support orders

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.